milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cooling & Winter LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called to make a payment on an account through a debt collection company that I have been making payments on for the past 2 years. My account was transferred from the original debt collector to XXXX over to XXXX & XXXX in XX/XX/2016. You are not able to make a payment online. You have to mail in your payment or you have to call in. I tried calling on XX/XX/2016, my payment due date, for XXXX hours but could not get through. I called again on Monday XX/XX/2016 when the office was open. XXXX XXXX informed me that my balance was actually {$50.00} higher than my balance. When questioned about that, she sent me to a XXXX. XXXX answered the phone explained there are XXXX screens they look at which yes, do show different amounts, but after making my payment, it would be correct. He took my debit card information, confirmed the information given to him and said he would turn in the form. I requested a confirmation number from him for the payment and he stated that he did not have to give me XXXX. They would run the payment and it would be processed in XXXX to XXXX hours. I stated that they only had permission for a XXXX time {$50.00} payment and I wanted confirmation to this. He again stated he did not have to give me a confirmation number because they had changed their practices. I told him that was not acceptable because anyone could have my information or run my debit card number multiple times. He told me I could then mail my payment in and he was tearing up the form he filled out. I explained that I made a payment to this same company in XX/XX/XXXX and I had an immediate confirmation number given to me. He said again, things had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called Experian on three occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only XXXX of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all XXXX of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.

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 05/21/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This  Collection  agenc y Company Capital One has f ailed to provide proper verification of the account. This company has not and could not provide in formation like documents bearing my signature that I owe ( {$410.00} ) t o them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  Capital One about providing proof of documentation bearing my signature that the account belongs to me. I feel they are trying to be smart by having the same account number under on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$410.00} ) then all files under my name and my social security number on my   credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX   to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted i mmediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of   the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX states I owe them {$4400.00} from an original creditor XXXX, XXXX. as account XXXX. I have asked this business on four ( 4 ) request by United States Postal Service Numbers,XXXX, XXXX, XXXX, XXXX, and some mailing not certified mail return receipt and I have not received a copy of the original contract with my signature with date signed, dated became default and some record of payments so I may understand it this is my debt, and as of XXXX XXXX, XXXX this has not been completed. I have offered to pay with-in reason an amount that my social security will support if in fact this is my debt. I have contacted Midland Funding LLC, XXXX XXXX XXXX, Assisting Secretary, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. This constant XXXX abuse I think may be of human rights and has caused my XXXX XXXX to increase to another stage and causing loss of productivity, and despair just to constant sending letters and answering questions. They continue to refuse to send me the documents I have requested and I have asked they stop contacting me and they still contact me. I asked them to take the request to court here in XXXX County, XXXX so resolve the issue. I am XXXX years of age and I must have this stopped and now I need assistance. I do not have any knowledge of this debt and I ca n't remember anything about this debt. I have researched XXXX credit reporting agencies for information and I can only find a Account Review Inquiries of XXXX on XXXX/XXXX/XXXX address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Telephone XXXX. I have asked this business to stop accessing my credit report without authorization. Midland Credit Management , Inc. has contacted my ex-wife of 30 years past with constant telephone calls in XXXX per letter from ex-wife. My age of XXXX and XXXX ( XXXX ) XXXX children and I am a single parent and I need assistance to stop Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MA).
Issue: Trouble during payment process

Complaint: We were sent a letter dated XX/XX/XXXX from our previous mortgage loan servicer, XXXX XXXX XXXX. The letter indicated that service was being changed to XXXX XXXX XXXX on XX/XX/XXXX. The only information we have received on XXXX XXXX is a mailing address and phone number. This is our second new servicer in less than 18 months since refinancing our mortgage. 

It has been customary that previous servicers provide temporary payment coupons plus a new account number for the loan. There has also generally been a welcome package sent by the new servicer during the transfer period. None of this has been done by XXXX XXXX. 

According to XXXX XXXX XXXX automated system, it takes 5 days to upload our information from the previous servicer to theirs. When I called today, I was told it takes 7-10 BUSINESS days with no explanation as to why it takes so long. XXXX XXXX indicated that the upload is electronic and would not explain the delay. 

During this transfer process, we had been refinancing our HELOC. As part of the process, we agreed to use the HELOC to pay off the balance of our mortgage. Now that the HELOC has closed, our bank is unable to get a payoff amount either from XXXX or from XXXX XXXX. As a result, we are being forced to pay daily interest for no reason. It is as though our mortgage does not even exist at this time! 

Both servicers say there is nothing they can do. This is unacceptable. For any interim period, the consumer should have the right and ability to obtain a payoff amount on a mortgage and make the payment accordingly. Otherwise, the loan servicer has no incentive to upload information in a timely manner. The mortgage details must be available SOMEWHERE during the transition. 

Finally, one of the servicers should be held responsible for forcing us to pay daily interest when it is not necessary. This interest should be WAIVED during any interim or transfer period. 

It is clear to us that servicers do not want our loan since we have been paying down the balance and now wish to pay it off in full. There should be restrictions on how often a loan can be sold and serviced by a different company. Otherwise, abuse like this is allowed to occur on a potentially wide scale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Creditor are submitted bogus information on credit file. XXXX bank submitted I had opened a credit card with them in XXXX XXXX, account number *******************. This information fraudulent attempt to collect funds. There is not any validated sources via signature confirming that I have utilized the credit card in reference. It is true that I had an account in XXXX and this account has not been active since XXXX XXXX with XXXX with an outstanding balance of {$470.00}, however, this information is under a different account number and is over 7 years old. Every time I dispute this information, the activity date changes and it is never removed from XXXX or Equifax data base. Also, there is another credit card that been inactive since XXXX XXXX XXXX XXXX XXXX, which continue to change to activity date. This is another means of keeping the derogatory information on my credit. I spoke to creditors and credit agents regarding this error on several attempts they temporarily remove the information and within 6 months put the information back on my credit. I know that the credit pay these credit agent for reporting purposes, but I thought the information had to be accurate and they must prove that the information provided is not false. But based on what I was told today, the agent do n't validate any information of factual data ( via electronic or hard copy ). They only verify based on what the credit states. If that is the case, then anybody or company has the ability to blemish ones character by just stating whatever they want and it will be publish publicly. My son is XXXX years and I has derogatory information on his account that I have been trying to dispute. All because he has a common name can blemish. This reporting methods must change. As a consumer you expect that agency are held accountable for the actions especially when they are reporting personal information on others. They are expected to comply to ethical and legal guidelines and if unable to do so, then the government should intervene and correct this matter. I hope that you will be able to investigate this matter and if not help me, but at least stop this from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX closed my credit card at my request on XXXX, 2014. Experian Credit Bureau refuses to update the information. I closed the account at my request and the other XXXX credit bureaus reflect this. I called XXXX credit and they state they have updated my information with Experian they refuse to update it. I will contact XXXX again. 
I want my report to show that my account has been closed since XXXX 2014 as the other bureaus. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Auto debt) with Automotive Management Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Automotive Management Amount owed {$350.00} Installment My Identity information has previously been compromised and used to open several accounts without my permission. This is just one of them. 

This is a Fraudulent Account.

Company response to consumer: Untimely response
Consumer complaint received 10/22/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a phone call on XX/XX/2016 stating they had important information about my residence and they stated my address in their voice mail message. My wife, brother, sister in law and nephew all received phone calls today stating they have urgent and time sensitive information they are trying to deliver to me and gave a case #. The phone # they gave for call back was XXXX. 

I have never given this company or this person prior express consent. 

Their company website is found at XXXX Their contact information is given as follows : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX XXXX : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, California XXXX

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 05/15/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CFPB, The amount of the allege debt in question is {$1200.00}. This amount should be {$200.00}. I have been trying to resolve this matter with Central Financial Control and only to be ignored and transfer from department to department with no resolution in sight. 

I have sent out request for verification of this debt which requires Central Financial Control to obtain proper account level documentation and they have yet to provide me of this from the original creditor ( XXXX XXXX XXXX ). I even went as far as contacting XXXX XXXX XXXX and they have no records of this debt in their system. Central Financial Control continues to collect and report to all XXXX credit bureaus. 

In addition to this Central Financial is reporting to the credit bureaus that I 'm " Late '' causing severe damage to my credit report and score. How can this be when CFC is a collection agency and not lender or financial institution that grants installment or revolving lines of credit to consumers. This is a violation of the FCRA and FDCPA by misrepresentation of themselves. 

Another issue is " 1 month term '' being displayed. Again what contract or agreement did I enter with you at the time when you purchase this debt from XXXX XXXX XXXX. You are engaging in misleading and deceptive practices and collecting on debts that you can not obtain proper verification.

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 03/28/2016 about Debt collection (Medical) with Aargon Agency, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from AARGON Collection Agency attempting to collect {$1300.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No bill or statement was attached to this collection agency 's notification. I have not been in XXXX, XXXX in 25 years and have not used any services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever. I did a search on this collection agency online and through the XXXX and there seems to be many other collection complaints about AARGON Collection Agency in XXXX XXXX, XXXX. ( AARGON Collection Agency, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/24/2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation