milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with CL HOLDINGS LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company did not provide me with Debt Validation and did not even responded to my letter. I have requested debt validation for account XXXX, last XX/XX/2017 and up to know I have not received anything back. This account was even disputed to XXXX  AND XXXX and has been REMOVED. Yet the account is still reporting to XXXX. There is definitely a violation of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Benuck & Rainey, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing disputes

Complaint: I have been disputing a charge on my American Express for several months now. I ordered some items from XXXX XXXX, and they never shipped XXXX of the items ( a TV ). XXXX XXXX agrees that the item never actually shipped, although they created a tracking number. American Express finally responded today, saying that they could n't reverse the charge because XXXX XXXX denied the chargeback. They provided documention, which actually confirmed that the item was never delivered! 
American Express ' response today was that this is an automated process, that a real person does n't get involved at this point. Now they say that a real person will get involved, but that it could be another XXXX8 weeks for the problem to resolved. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: FORECLOSURE FRAUD against our HOME - PLEASE HELP INTERVENE!!! 

Nationstar Mortgage LLC - the subject of XXXX ' Foreclosure Fraud Complaint with CFPB, recent file # XXXX submitted in XXXX XXXX, now proceeds to cause a Notice of Trustee Sale to be recorded against the XXXX 's home on XXXX ... based on.. 

FORGED Foreclosure INSTRUMENTs ... and based on an UNLAWFUL Notice of Default -- DEFAULTED Debt Validation Request ( attached ), False Servicer Declaration, as explained in referenced Complaint File, False " current owner of Debt '',, and FALSE Trustee Quality Loan Service Corp who recorded the NOD and NOTS -- with claims that are based on a FORGED Substitution of Trustee ( CFPB File XXXX ) ... 

This all started with Nationstar 's FALSE CLaim as Assignee, with its " self-executing and manufactured assignment instrument '' which it caused to be recorded XXXX XXXX ... purportedly from original lender Homecomings ( via MERS ) -- which could NOT BE POSSIBLE because Homecomings filed for Ch XXXX bankruptcy in XXXX XXXX, hence no asset to transfer to Nationstar in XXXX. XXXX XXXX. Sections XXXX, XXXX, reference : XXXX XXXX XXXX XXXX XXXX, case # XXXX, XXXX Bankruptcy Court, XXXX XXXX XXXX New York. 

With only FORGED INSTRUMENTS, and NO PROOF as required by the foreclosure laws in XXXX XXXX XXXX XXXX - we appeal to CFPB 's authority to HELP STOP this ILLEGAL TAKING AWAY of Our home. 

Thank you for your URGENT HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Consumer Loan (Personal line of credit) with Westlake Services, LLC (AZ).
Issue: Managing the line of credit

Complaint: Westlake financial wont take payments by any means. They lied and said my moms check bounced and were trying to charge a XXXX dolloar insufficient funds charge. My mom went to the bank and the bank said " westlake lied and never even processed the check ''. Westlake states they take paymentd through XXXX, XXXX XXXX, but refused tsking payments through these means as well. Its like the company refuses to take paymenys just so they can repo vehicals. A guy came to my home and threatened that he was calling the police and sat outside for a half hour and then left. I demand an auto bailout from westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Reverse mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I made arrangements with a Chase representative for my account due date to be changed to a later date to make sure my account will always be in good standing with my new bill-pay at my new bank. This arrangement reassured my payments not be late. Chase claims they have no record of the agreement. I understood my account was in good standing until I received a letter with XXXX late fees assessed, months after my bankruptcy discharge. Apparently, as I discovered over the phone, their department which handles the sending of delinquent notices did n't have on record that I had been discharged. I was allowed to remove XXXX of them although XXXX {$100.00} charge is still standing. I have always made my payments on time and worked to make sure the account was in good standing but have not had an easy, fair response back from Chase regarding this mix-up. It is not fair that I am penalized for the lack of communication on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The items still showing up on my credit report all need to be removed. As these were charge offs between XXXX by " XXXX XXXX '' prior to selling to XXXX Bank in XXXX of which XXXX Bank is still trying collect debt. Therefore, both negative reporting on ( XXXX XXXX # XXXX AND XXXX # XXXX ) with XXXX Bank need to be completely removed from my file as they were not the original creditor that discharged these accounts. Also, the XXXX negative report remaining from Portfolio Recovery on ( XXXX # XXXX ) was charged off by XXXX XXXX in XXXX and needs to be removed completely from my files. I continue to get letters the claim they have never heard of my complaint but I have made a few through the XXXX agencies and CFPB. I am again attaching a file with proof of charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I thought I was only applying to one company when I got approved to buy the car. 

I've had CaptialOne credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( 7 ) related to my purchase on  XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : COAF - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 CAPTIAL ONE AUTO FINANCE - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Federal tax lien still showing on my report that was withdrawn XX/XX/2015. On two occasions I have disputed this with Equifax , providing a copy of the IRS lien withdrawal form ( which I will also attach here for you ). I have also verified with the county that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the lien from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Student loan (Non-federal student loan) with MOHELA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is with regards to XXXX/Mohela account # XXXX. 

Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records, you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed, a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response, because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment, which is in the form of the new loan, while not getting the benefit of the funds. I believe that XXXX/Mohela has such a practice in order to maximize their liquidity at the detriment of the little guy - the student loan borrower. Why should they have a right to my cash? They have the administrative power to process extra loan payments within just a few days - why do n't they refund within just a few days? 

I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself, but also for the many other student borrowers who are being harmed by this practice. They should promptly refund any negative loan balances!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Medical) with Affiliated Management Services (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the collection agency in regards to my credit report over 30-days ago. I told them this account should be included in my bankruptcy. However they have not updated the information accurately. The are still reporting the account as OPEN which is should not be reporting as an OPEN COLLECTION ACCOUNT. This information is not accurate AT ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Try to open a bank account and didnt let me do it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I talked to someone on the phone named XXXX and was promised that they would remove the debt if the amount of {$340.00} was paid. I paid that amount and it 's still on my credit 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 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my credit report shows someone else 's name under my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I received a teller check from a credit union and deposited into my checking account inside the main branch of USAA in XXXX XXXX, Texas. The teller took the check and completed the deposit and said nothing about a hold on the deposit. On the deposit slip it shows my account balance and the amount of the deposit. It does not mention a hold on the funds. I then left the bank and checked my funds on USAA app and it showed the amount deposited was available. The amount was XXXX and my balance on the app reflected that amount. Two business days later I went back to the main branch of USAA and just before entering the bank I double checked my balance on the app and noticed that there was now a XXXX hold on my account. I went inside and went straight to the teller hoping there was a mistake on my account but when I tried to purchase a cashier 's check the teller confirmed that my checking account indeed was on hold for XXXX. I asked if I can discuss this matter with management and she directed me to an enclosed booth where there was a computer and a telephone and was told to dial zero and ask for a manager in the deposit department. I did so and held for about 2 minutes and a representative answer the phone and asked what he could help me with. I explained the situation and asked if there was anything that could be done to release my funds. The answer was no and that it was unclear on when the funds would be made available. I asked to speak with a manager so he transferred the call and I was placed on hold for about 5 minutes. Long story short the same answer was given by a manager " no '' and adding insult to injury she stated that my creditability with them was in question because of a previous over draft in the last 6 months. I left very upset and frustrated with the entire situation. I also called one more time the following business day and the exact same answer. No ... Please consider this fact. This was a preprinted teller check from a credit union and that when purchased originally by the payee was told that it 's the same as a cashier 's check. Now I have to wait 10 business days. Why? Why could n't USAA physically pick up the phone and verify funds or tell me from the beginning there was going to be a 10 day hold. I would have cashed the check elsewhere and been able accomplish what I needed to. Now I 'm on hold and it put me behind on what I needed to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XXXX/XXXX/2017 at XXXX local AZ time, XXXX XXXX called requesting to speak to XXXX XXXX . I verified the name was correct. He then proceeded to state the name of his collection Company - Thunderbird Collection Specialists. However he failed the following FDCPA rules when trying to collect on a debt. He failed to fully verify besides my name that he was speaking with the correct party. He failed to state the mini miranda, failed to state the debt collector disclosure and failed to state that the call may be recorded. He also stated that he was calling to see how I was planning to rectify this debt that is in their office before he advises his client to take me court to collect on this debt. He also told me he had left multiple messages to a person who I identified to be a relative, regarding this debt. When I advised him of what he had failed to do prior to commenting that he was calling to collect on a debt and that I was going to just end the call instead of speaking with him, he preceded to state that he was going to status " my account '' in their office as a Refusal to Pay. When I responded back to him and stated that I was not refusing to pay anything, he began to be rude by interrupting me and then he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an alert on XXXX XXXX, 2017 from Equifax and XXXX ( I have multiple monitoring services because my identity has already been stolen ) that an inquiry was made for my credit through a company called XXXX XXXX. I called XXXX XXXX who told me I had to go through Equifax to get the name of the company who actually requested the data since they are a service provider for home and apartment rentals and do not make requests directly. I called Equifax who told me I had to go to XXXX XXXX to get the information. When I told them that I was directed to Equifax by XXXX XXXX I was basically told tough luck. 

As background I have a credit freeze on with Equifax. I do not understand how they can continue to operate with the issues they have created. Plesee help me get the information so I can insure that my credit is nt being damaged further. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: My name is XXXX XXXX XXXX, I have been trying for several months now to get transunion credit bureau and XXXX as well to report my XXXX XXXX credit card information onto my report I have contacted XXXX XXXX several times and they assure me that they are and have been reporting my information to all 3 Bureaus Transunion included, and have sent me copies of the information of the dates etc. that they have been reporting .However when I forward this information to Transunion the only response I get from them is Letters stating that I am correct this information is not on my report. I have been very clear on what I need done and have sent them copies of the information ( letters from XXXX XXXX ) showing all pertainent information. The problem is they continue to ignore what the letter states that needs to be done and again all I get back from them ( TRANSUNION ) is That I am correct my information from XXXX XXXX is not on my report .Just and FYI, I am a XXXX Veteran XXXX XXXX XXXXXXXX and am trying to purchase a Home for my Family my score has been calculated by the mortgage company to increase to the score that I need to be able to purchase my Home for my Family this calculation ( score ) comes with XXXX XXXX information being reported on my report. XXXX XXXX is doing there part however Transunion is dropping the ball on this issue and I would like to get this rectified A.S.A.P. TO ACCOMPLISH MY DESIRE TO PURCHASE A HOME FOR MY FAMILY .IT HAS BECOME VERY FRUSTRATING AND I NEED YOUR ASSISTANCE IN THIS MATTER IMMEDIATLEY THANK YOU XXXX XXXX XXXX LAST 4 OF MY SOCIAL IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/XXXX CARD NUMBER INFORMATION ON REQUEST PHONE # XXXX XXXX XXXX PHONE # XXXX XXXX XXXX BACK UP #

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Account opening, closing, or management

Complaint: SYNCB/LOWE 'S DC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNCB/LOWE 'S DC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/LOWE 'S DC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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