milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I got a phone call ( not for me  XXXX  from  Midland Credit Management to day  (   XXXX / XXXX /  XXXX  ,  XXXX   )  on my home telephone number. This was not the first time they 've called. They were willing to give me their name and phone number but when I asked repeatedly for their mailing address they refused citing that they wouldnt because, " I hadnt answered any of their questions. '' I, admittedly, started to get angry and demanded to speak to a supervisor. I asked them if they were a debt collector calling in an attempt to collect a debt - refused to answer. Asked repeatedly for the mailing address - initially they refused to answer ; they only gave it after I threatened to take them to court ( I did finally get the address ). Initially I just wanted the supervisor to apologize for his subordinates actions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being XXXX household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on both them accounts. So portfolio had both debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, Experian & XXXX ), the accounts still show as open.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I am writing this complaint due to Equifax not responding to my request to have credit inquires removed due to them not being authorized inquires. I did not authorized numerous inquries that are showing on my credit report and I have disputed them numerous times via phone and mail. I get the same generated response a few days later. Which further tells me that they have not verified these inquires and keep sending me a generic response. I have just submitted another dispute and if this CFPB complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit is for a firm offer of credit, insurance, employment or court order.   The inquires are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX  - XXXX   XXXX ,  XXXX   XXXX   XXXX  - XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX  -  XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has filed foreclosure papers on my home at XXXX XXXX XXXX, XXXX XXXX, Texas. American Home Mortgage breached my contract by charging me for unjust late fees, illegal charges, and a fathom " escrow '' account amounting to almost four years of payments making my " real interest rate '' about 46 %. They are using a robo-signed Corporate Assigment of Deed of Trust signed by " XXXX XXXX '' .Ocwen has no real interest in my loan. I quit making payments to American Home after a XXXX audit revealed what they were doing.I have not made a payment since XXXX 2011. These people from XXXX XXXX on down are criminals. I was XXXX in Texas for 48 years. I would be in jail if I had done this. XXXX XXXX XXXX and XXXX is the foreclosure mill that is still using false papers, they need to be sanctioned, Ocwen promised in the settlement with the Texas XXXX that they would no longer use fake papers to foreclosue but here they are doing it and the law firm knows it is illegal which makes then guilty XXXX. I have sent a notice of recission to Ocwen and they did not respond. The reciission is in effect and no effort has been made by Ocwen to file suit to remove the recission.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in forbearance with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. No payment was due therefore ensuring that my account was never late. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Equifax to small claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against XXXX XXXX XXXX ( XXXX ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old Capital One account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another Capital One credit card. Capital One has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. XXXX has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because XXXX sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against XXXX called Federal Trade Commission v. XXXX XXXX XXXX, XXXX must show proof of ownership of a debt or proof that Capital One has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, XXXX is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. XXXX is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress. Accordingly, this item must be deleted permanently, and my file information must be voided by XXXX. THIS ITEM POSTED IS ILLEGAL!!! <P/>XXXX MUST DELETE ITEM AND PURGE MY INFORMATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Received notice to collect debt, call collection services and explaned that I was retired and XXXX had fixed income and offered to pay what I could afford, which was {$10.00} a month, and told that of the {$1100.00} a month I recieve I owe {$1000.00} a month in bills, Ihave {$100.00} a month to live on I thought that resonable, they said yes I asked for letter in writing and I would start paying, they said no just start paying I said without letter or Email I would not. I repeated this offer XXXX more time to different reps. Then was put on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Account Control Technology, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: Bank of America took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. Please 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 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is not even my name. I have no idea what this is or anything. The collection agency has never contacted me by any means I only came to know about the debt from checking my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loans used to be managed by XXXX before being transferred to Great Lakes upon relocation. XXXX mismanaged my student loans and Great Lakes has done the same when they took over. My student loans should be forgiven as a result. I do n't think the loan balance and interest is correct and it has caused hardship to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XX/XX/XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that Midwest Recovery Systems of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of $XXXX to the various credit reporting agencies on XX/XX/XXXX. The original creditor's name on the collection matter is XXXX XXXX.On XX/XX/XXXX, I contacted Midwest Recovery Systems and spoke with Mr. XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from Midwest Recovery about this debt, giving me the right to dispute or understand the claim. I was told by Mr. XXXX XXXX that they spoke with me in XX/XX/XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with Midwest Recovery about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I cannot say the origin of these calls, but I have not spoken to Midwest about this debt.Mr. XXXX XXXX informed me that this matter is about a payday online loan obtained from XXXX XXXX around XX/XX/XXXX and became delinquent in XX/XX/XXXX. While I do recall using XXXX many years ago, I have not heard from XXXX or any other collectors about a balance owed, and a request at this time is extremely strange. XXXX  debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled.I asked Mr. XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XX/XX/XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that XXXX debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help.I was recently informed that such loans are not legal in Virginia and the loan is void. I believe XXXX and Midwest Recovery Systems is fully aware of this situation. XXXX and or Midwest Recovery Systems should provide proof that this loan isn't void, and until documentary proof of a debt and that the loan isn't void, I don't think they should be putting this on anyone's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (MI).
Issue: Deposits and withdrawals

Complaint: I have a few clients that deposit monies into my checkings and they frequent your warren office on gratiot and EVERYTIME a deposit is made the clerk gives my balance to the people I do not appreciate it and am aware it 's against your regulations because you make me show my own identification before you give me my own balance. Also discussed a deposit and where it came from I am the only one on the account so this information should n't be released from any clerk to anyone I am livid and would like this to be fixed ASAP IT HAPPENED TODAY and numerous other occasions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (I do not know) with Risecredit, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several requests to RISE per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with ConServe (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans from the US Dept of Education ( Federal level ) have been in default. There are 11 loans in total. 
My loans are apparently handled by the US Dept of Education and a Collection Agency called ConServe. 
I had a federal tax offset of {$4200.00} which was handled by the USDept of Education. I called and spoke with ConServe and the USDEdu, asking if I could apply my offset to specific loans so they would be paid off. I was told their policies does n't allow for this and they will divide it among all 11 loans equalling about {$380.00} per loan. Doing the financial analysis on this, that is pointless as the interest will accrue and make that money worthless. 

I spoke with the supervisor at USDEdu, named XXXX, Employee number XXXX and she told me they will apply the money to the loans of my choosing. I confirmed that this is OK to do from the Department of the Treasury. About 2 weeks ago, around XX/XX/XXXX, I called back the US Dept of Education to confirm which loans I wanted the money applied to.. Strangely, the balance they gave me on these loans was suddenly {$400.00} more than the previous week when I received my loan information from XXXX. I asked to speak to XXXX about it but they claimed they have no employee there by that name and have no way of verifying employee extensions. 

Frustrated, I reluctantly let it go for the time being. Today, XX/XX/XXXX, I contacted ConServe to verify those two loans were indeed paid off. They are now telling me that the money was applied to ALL 11 loans per the US Dept of Education guidelines, and there was a note in my account on XX/XX/XXXX by the US Dept of Education saying they would not apply the money in full to the loans in question. ConServe basically always tells me theres nothing they can do and to contact the US Dept of Education. The US Dept of Education always tells me theres nothing they can do and to contact ConServe. I do n't understand why I ca n't apply MY money, the way I want it applied to MY loans. This seems like unfair practices designed to work in the creditors favor and oppress me as the borrower who is trying to take care of these loans. 

It is also my understanding that tax offsets can not be applied to collection fees, and I believe they have done this as well based on the sudden {$400.00} increase per loan but they refuse to send me a financial statement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On or about XXXX XXXX, 2016, XXXX XXXX of XXXX XXXX XXXX, XXXX called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " XXXX '' and have my wages garnished if I did n't pay the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to contact midland funding on three occasions regarding this debt. First attempt was in XXXX 2017, XXXX 2017 and in XXXX 2017, they have repeatedly called and have sent me harassing letters. They do not understand that this is not my debt.

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 04/20/2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX XXXX XXXX. 
XXXX accounts with Dept of Education XXXX with acct. number XXXX reporting inaccurately. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly. 
XXXX account with XXXX XXXX acct number 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 non-monetary relief