milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A Debt Collection agency began to insistingly calling me from about three months ago. When I spoke with a representative, I informed him that I denied any debt and they should stop calling me. They continued calling and leaving messages on my answering machine. I called again and left a long message detailing my identity and prompted to denounce then if they did n't stop harassing me. On another occasion one of the agency 's employee tried to secure my address info by lying being needed by the XXXX company. Although I immediately hung-up the phone they continued to leave messages on my answering machine. At one point I began to doubt if this was a scam to get some vital info from me, since they always asked me to tell them my 4 last digits of my SS card.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The offices of Daniels, Norelli, Scully & Cecere, P.C. mailed a letter to an address that I 've never resided in. Such address belongs to a friend. Therefore, my privacy was violated when they disclosed information regarding this particular debt to a third party. I 've never been associated with that address whatsoever. Even if my credit report was ran with permissible purpose, it would not display such address. I 'm not sure what means the debt collector used to obtain my friend 's address. I would surely hope that they did not run his credit report without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am trying to apply for financing for a home and there are items listed that do not belong to me. I have a feeling Experian has merged my credit file with someone else. There is an inaccurate social listed XXXX which is NOT mine and a name I have never used XXXX XXXX. I do not have or ever had a XXXX XXXX account # XXXX or a XXXX # XXXX showing or a XXXX credit card for {$250.00} # XXXX on my credit file. This situation needs to be resolved ASAP. I also have submitted a dispute by mail.

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 06-02-2015 about Debt collection (Medical) with Stallings Financial Group, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by a representative of Stallings Financial Group out of XXXX, GA on XXXX/XXXX/2015. I was contacted by XXXX and he did not verify that he was speaking w/ me, nor did he give the mini miranda. They also disclosed all personal information to my sister who is NOT authorized on any of my accounts and now I am totally distraught. I had my husband to call them today ( XXXX/XXXX/2015 ) b/c he is in the collections industry and they were very belligerent and used condescending tones toward him when he tried to help me to resolve the issue in a professional manner. I have also made a complaint to the Georgia Governor 's Office of Consumer Protection and to the Federal Trade Commission as well. My husband also contacted the principal owner of the company who is XXXX XXXX or XXXX XXXX. I do n't know exactly which name she goes by at this time however we tried to make a valiant effort in taking care of this matter rationally to no avail. Also I left a message for her attorney which is XXXX XXXX XXXX and he is listed as the registered agent for Stallings Financial Group. I left a message w/ his secretary who said he will not be back in his office until tomorrow ( XXXX/XXXX/2015 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX My home of 26 years was damaged XX/XX/XXXX. My insurance company, XXXX, issued a check on XX/XX/XXXX and sent it directly to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, XXXX XXXX. RLMS claimed that they then sent the check to me to sign. I never received that check. On XX/XX/XXXX, I reported to XXXX XXXX that the bank lost the check. It was cancelled and another check was sent to me on XXXX. I received and signed the check XXXX and sent it certified on that same day. 

Before XX/XX/XXXX, Rushmore gave myself and the XXXX XXXX XXXX all of the missed documents they needed. This was completed at the beginning of XXXX. As of XXXX, I called to see if RLMS had received the check. It has been cashed, I was told by supervisor " XXXX '', that the XXXX which they previously told us had not been dated by XXXX XXXX ( which I witnessed them signing ) had been faxed, but their fax machine 's ink was so light they needed it sent again. They also told me they were emailing a form I needed to download, sign and send back to them. This form was not on the list I'd been previously told was needed before this date. They also have not sent that blank form to me as yet. I will have to call them AGAIN! 

NOW they're claiming that my mortgage payments are behind and THAT is their reasoning for holding my funds!!!! This info was revealed ( magically ) just today at XXXX, and the clerk said again that they hadn't received a form that I KNOW I'd sent them previously with other forms they weren't claiming to be missing. 

I asked the clerk for a supervisor who then said that the claimed " missing form '' was NOT missing! We then did a 3-way call to the construction company owner, who AGAIN faxed the documents that the supervisor said weren't completed and why. This is the 2nd supervisor who has said she would followup on this matter. 

This bank is holding the funds for the repairs and keeps putting blocks up as excuses not to payout the funding to me. The interest on this payment must be paid to me by law. However, I need to just get the payment from them that they are holding from me. ( Please do not publish my address on this letter. ). I want to repair the damages to my home which are worse because of the harsh weather they are enduring. 
PLEASE HELP ME WITH THIS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is incorrect information being reported on my XXXX  credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (MD).
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: On XXXX XXXX I submitted documents stating that 3 accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on X/22. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on X/X/17. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: EOS CCA is reporting on my credit report fradulently for XXXX XXXX. I 've contacted EOS and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX and XXXX college for some time and never got my degree. Now I have over XXXX in loans and ca n't pay it back, I do n't earn enough to pay for all my bills. The loan has affected my credit score and I ca n't apply for anything that involves credit. I felt like this schools were a fraud and now because of it I lost time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (VA mortgage) with STONEGATE MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: When I refinanced my mortgage, mu current lender, Stonegate Mortgage, mishandled my escrow account. On XXXX XXXX, Stonegate " conveniently '' withdrew my property tax payment for an XXXX XXXX payment!? On XXXX XXXX, ironically, the XXXX tax collector has not received the payment!!! How is it my new lender already paid my property taxes and my new loan did n't even close until XXXX XXXX!? 

Called Stonegate and they did not care, customer service was RUDE and told me they always pay in advance, really two months early???? She could not explain why XXXX XXXX tax collector had not received payment and did not care, offered zero help. She then told me I would have to wait 2 months for my refund. WOW that 's customer service! So Stonegate gets to keep almost {$2000.00} because allegedly they pay property taxes early but ca n't find a record for it. How convent! This is the professional experience, dedicated service, and HIGHER STANDARD you can expect from Stonegate. 

I was a customer and just because I chose to refinance with someone they screwed me over. 
Please help! 
XXXX XXXX Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Transaction issue

Complaint: I opened a dispute with Chase on XXXX XXXX in the amount of {$630.00} because XXXX XXXX XXXX XXXX broke and damaged items of mine during a move, and XXXX XXXX XXXX failed to honor the insurance policy I selected. Chase, however, rebilled me on XXXX XXXX, even though I submitted the proper evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MA).
Issue: Deposits and withdrawals

Complaint: I MAKE A PURCHASE, WITH MY DEBIT CARD, I NEVER GET THE SERVICE, I PAY FOR, I FILE A DISPUTE WITH ALLY BANK, THE OPEN THE THE CLAIM, THE SEND A NOTICE TO XXXX XXXX REFUND THE MONEY TO ALLY BANK, ALLY BANK NOW REFUSE TO CREDITE MY 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 explanation
Consumer complaint received 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid years ago. When the agency contacted me I informed them of this and asked them to contact their customer, verify the debt and send it to me in writing. They continued to contact me and I advised them they were in violation of FDCPA. I again requested that they not contact me and verify the debt. This information was also reported as negative on my credit history causing me difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In the l ast four days  I have been called repeatedly by  Navient that  my loans are ok, except fo r one that the Vice Presidnet of the  company decided to cut from my repayment plan because " my co-signer can afford to pay more than we had agreed to. '' Both myself and my cosigner, my mother, are on extremely tight budgets.  Navient ag reed to a repayment plan in   XXXX   XXXX   XXXX   with us and we submitted all requested documentation for all my loans.. In   XXXX   XXXX   XXXX   the harassing calls started and we were told that  one particular loan was rejected by the Vice President of Navient o n    XXXX   XXXX   XXXX    because he said my cosigner can afford to pay more than she already has.   We have been fighting with them since  XXXX  and they refuse to send either  one of   us a letter stating this or a reason as to why we were rejected on the  one loan   repayment. On   XXXX   XXXX   XXXX  , I was called and harassed  five times within three  hours that I must pay them an extra {$100.00} a month or they will file my loans as delinquent and demand full repayment of {$32000.00} on    XXXX   XXXX   XXXX    for this one loan that I have a cosigner for.   I have explained that I can not afford to pay this extra extortion on top of the {$510.00} a month I pay. This is an undue economic hardship and it is extortion to demand that I pay them extra or they will call the full {$32000.00} due in less than a week. When I asked what my options were, I was told " we do n't have to do anything for you, this was a courtesy call to inform you that your payment must increase to stay out of default status.  '' Navient uses  an autodialer, and calls me from several different numbers that are from across the United States. I asked what numbers I am supposed to reply to and why they call me from Virginia, Texas, Tennessee, New York, Florida, and Delaware and they told me " that it was none of my business so long as I keep paying my loans. '' I 'm unable to continue to repay them at these rates when I already work full-time, but I know they are trying to coerce me into paying more so they can make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Please update my credit report to reflect the following and delete the old information as requested

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, XXXX XXXX XXXX contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Unsolicited issuance of credit card

Complaint: I received an active credit card from Wells Fargo Financial National Bank that I did not apply for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Debt collection (Federal student loan) with NELNET, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nelnet is reporting incorrect information to my credit report, payment history, account number, loan amount, loan date, and type of account. I have contacted Nelnet multiple times and they continue to report incorrect data. and they are reporting the information multiple times ( XXXX times )

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with TekCollect Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The account was open XX/XX/XXXX the amount due is {$360.00}. Ive never purchased gas. Ive called in the past to dispute this account and nothing was done. I have Called again on XX/XX/XXXX to dispute again and nothing happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, Experian in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, Experian stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

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 12/30/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n't seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n't reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I continuously tried to explain to the representative that this was NOT my debt!! I also explained to them that I am in the process of getting a home loan and it is creating a problem for me to get my loan.. Due to the fact that it was stopping me from qualifying for my home loan I just decided to pay them.. But still acknowledging it was NOT my debt! But I needed to get this house for my family I just paid them to get this off of my report.

Company response to consumer: Closed with explanation