milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting this XXXX same account from XXXX three times which is against FCRA. This is not my account Navient account number XXXX. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account. I have never signed or had any affiliation with this account. Again, asking for the immediate deletion of this fraudulent account which is reporting three times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have faxed a copy of my birth certificate, social security number info, proof of residency along with other documents to Equifax twice. I sent it again to XXXX XXXX at fax number XXXX and I faxed it prior to customer service at XXXX, so it is no reason for Equifax to respond and say they need this information as I have already faxed it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Medical) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A verification of employment was sent to my job today. I had no idea that this account was even outstanding. I called the company Western Control Services and talked to XXXX different reps, no one properly verified my info just my name, no one gave the Mini Miranda to me either. I was told that a woman that I have never heard of was served my lawsuit paperwork so I was really never even informed of this lawsuit. I tried to work out an arrangement with them and was told that I had to pay the bif off within 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After rehabilitating my loans I was again working with Navient directly. When I called them to express financial difficulties at the time they gave me information on deferment. I submitted the paperwork and am still currently on deferment however I did not k ow there were other options for me on my loan and tht never provided alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion was reporting an incorrect balance on my student loan for XXXX running months. I called on XXXX XXXX, 2016 to begin the dispute process. I spoke to a CSR and was instructed to fax my account balance to TransUnion with a written letter explaining my dispute. I conversely connected with the creditor and received a certified letter which reflected the correct balance. The creditor ( XXXX ) CSR notified me that on XXXX XXXX & XXXX XXXX the correct balance was sent to TransUnion however on XXXX XXXX, 2016 TransUnion is still showing the incorrect balance. TransUnion CSR is saying that they still need more documentation proving the correct balance. I would like to report TransUnion because they lack the ability to maintain accurate account balances in their system in a responsible and timely manor. Not only has the creditor provided the correct information, I have also twice provided the documentations.

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 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rent Recovery Solutions, LLC ( File No : XXXX ) is trying to collect a dept on behalf of XXXX XXXX, TX. My daughter was going to share an apartment with a friend several years ago and listed me as a co-signer. I received XXXX prior to her moving in, and she chose to move with me. She talked to the manager at the time and gave them a copy of my orders and also found another person to replace her as a leasee. The manager appreciated us doing that and told us that it was taken care of and there were no issues - issue closed. Several years later, they are saying that we owe them money for rent. We never heard from them in the interim years, and have moved a few times since then. When I asked them how they could even consider charging us for rent when we found another person to live in the apartment, they said they just decided to charge us for a different room without telling us. The new manager from the XXXX emailed me when I called her to complain and said she would look to find the lease and related paperwork and keep me in the loop on the status, but that was several months ago and I have no indication that they ever found any paperwork. They have now reported this to the credit companies and this has negatively impacted my credit right before I 'm closing on a mortgage - and could cost me thousands of dollars. Still, I 'm not going to pay something that I do n't owe. It does n't seem legal to try and collect on something that was never owed, especially after waiting several years to say that we owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX time share loans with XXXX XXXX. I deeded these time shares back to the corporation thus absolving my obligation. I have attached a copy of my credit file showing the narrative " Deed in lieu of foreclosure ''. These XXXX loans should NOT have a balance on them. I disputed this with the bureaus but Experian left the balance and item remaining. This is a violation of my right under the Fair Credit Reporting Act.

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 02/24/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/2017 I received an email from American Express that my Bluebird card denied a transaction due to insufficient funds. I accessed my account and found numerous unauthorized charges, both posted and pending. I called customer service and disputed the posted transactions and also notified them of the pending transactions that were fraudulent. My card was canceled and they started the process of sending a new one. 

On XX/XX/2017 I received an email indicating my disputes were declined and my account locked due to violating the membership agreement. At this point I was no longer able to access the account. I received more emails indicating the account had a negative balance, despite the fact there was a {$75.00} balance when I disputed the charges and the card canceled ( fees? ). Upon calling customer service again, there was no satisfaction, no explanation as to how it was determined the charges were valid or an explanation of which charges ( or all of them? ) were determined to be valid. 

The amount gone from my account is approximately {$2300.00}. Since I am unable to access the account, I do not have the ability to determine exactly how much money, what all the charges are and what the balance should be. 

As part of this resolution, I want a complete list of all the transactions on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (OH).
Issue: Managing the loan or lease

Complaint: Made payment online which is only way to pay. Scheduled it on a Thursday to come out Saturday. Printout says payment date Saturday. Internet site said payment date Saturday but that it would n't post until next business day. Company marked 30 days late with credit bureau. Very wrong that company did n't either not allow payment option for Saturday or make clear that even though it said payment date that it would not count until The next business day. It simply said would post. I should have the benefit of a doubt because of the seriousness of credit besides why should a consumer only have 28 days to pay and not 29? Should be considered on time because everything is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent automated and not automated calls. Even on Sundays. My accounts with them are set up on automatic draft so there is reason for themy to call and badger me about payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with Turning Point Solutions LLC (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: So I received a call on my work phone from number ( XXXX ) XXXX - XXXX at XXXX XXXX  on XX/XX/2017 claiming to be XXXX XXXX explaining that I had a {$1500.00} debt from XXXX. In the past when they called my girlfriends phone I have asked to send me something in the mail that would verify the debt is valid. I have NEVER received anything in the mail. On the XX/XX/XXXX they called me at WORK on my WORK phone, I asked how they obtained the number and they stated it was from a backlog? I am pretty sure they obtained the number illegally and ignored my request to send valid documentation in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life.

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 04-05-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (RI).
Issue: Struggling to pay mortgage

Complaint: My spouse and I called Shellpoint Mortgage approximately XX/XX/XXXX as we behind 2 months on our mortgage due to me recently being diagnosed with XXXX XXXX. We advised Shellpoint that this was a temporary setback and asked if they have any assistance programs. We were recommended to apply for a modification by the loss mitigation department. We were told a packet of paperwork would be sent out, and we were assigned a point of contact being XXXX XXXX XXXX Ext. XXXX. 

In the meantime, we did receive the modification paperwork that was time-stamped as being mailed to us on XX/XX/XXXX. However, we also received 4 letters demanding the past due payment amount of {$2900.00}, dated as being mailed XX/XX/XXXX, and an additional 4 certified Notice Of Default And Intent To Accelerate letters dated XX/XX/XXXX. 

To date we have reached out to our point of contact XXXX XXXX, and have yet to hear anything in return. Our modification packet was filled out and mailed to Shellpoint Mortgage on XX/XX/XXXX, and we followed up with a phone call advising so. 

Our fear is that we have had almost zero contact with Shellpoint Mortgage since our mortgage was transferred to them from Bank XXXX XXXX in XXXX, until now. And now, only since we contacted them asking for assistance, have we suddenly received letters of default and intent to accelerate letters. It seems like Shellpoint Mortgage is attempting to duel track by offering to assist us in applying for a modification while at the same time, proceeding to move forward in the foreclosure process by sending past due letters and intend to accelerate letters. Since mailing our modification packet and required paperwork back to Shellpoint Mortgage, nobody has yet contacted us.

As a side note, some of this struggle began when our mortgage was transferred to Shellpoint Mortgage last year. We were pomised a welcome packet including where and how to make payments. However, it took an excessive amount of time to receive any information from Shellpoint Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RESIDENTCOLLECT INC claims I broke lease by not providing " Intent to Vacate Notice '' and that I owe 2 months rent. I have document that proves I gave 30-Day Notice with copy of Military Orders. Document was signed by Property Management personnel on XXXX XXXX 2011. After finding out I was in collection, I called property manager and she agreed to remove account from collection which never happened. Collector did not accept my document and became abusive, used profanity and obscene language and threatened me with legal action. I am very frustrated because now the property management company at XXXX XXXX XXXX is no longer a business and the new property management company can not help me out. I feel that the burden of proof is on me and I have provided a document that shows that the property management office received and verified military orders in support of execution of my military clause and RESIDENTCOLLECT INC is undermining that. I feel this collection agency is abusive and is taking advantage of me as a consumer. I feel the document provided should have been sufficient to remove my account from collections immediately. What needs to be asked is what instrument ( s ) are using to claim I owe anything? You will find my document sufficient evidence to refute their baseless claim. They should be held liable as well for their rude and offensive behavior. Please have them provide any and all phone conversations they have had with me so that you can see how they have violated my rights as a consumer. this account needs to be removed from collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court located at XXXX XXXX, KY XXXX. I mailed a letter certified to the whom they advised reported this information and the letter was retuned as undeliverable. They did not provide a name or a number for the reporting agency so I researched and found a number to make contact. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Other financial service (Debt settlement) with Money Management International, Inc. (OK).
Issue: Customer service/Customer relations

Complaint: MMI -- Money Management Incorporated has refused to meet with me. It is advertised that they have face to face meeting which that is my choice. 

I made an appointment for XXXX XXXX of this year. A day before the appointment I was told that the counselor would n't be able to meet with me and that they want to reschedule. I was a little upset because I really need to get with someone to help me. I told them to cancel the meeting altogether. 

After that I looked around and realized there are no other reputable debt relief services in my city so I called them back to schedule another appointment. This was for another Thursday ( the XXXX ) and the day before, they called and said they needed to reschedule with the person I was supposed to meet with face to face. They would call me back with another date and time to meet face to face with me. 

Now they are telling me that there are no more face to face meetings only phone counseling. I do not want to deal with my financial future OVER THE PHONE. 

I am very upset with this company and they do not seem willing to help unless it fits in with their schedule. They advertise that they have face to face meetings with clients. I asked them why they did n't have any more face to face meetings and she only said that she can give me a telephone appointment. She would never really say why I could n't have one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was with Green Tree who subsequently merged with Ditech. My payments are due XXXX of the month. In the past i have made the payments by the XXXX of the month and accepted the late payment charges. While with Green Tree this was seemingly never a problem, it is apparently a huge problem with Ditech. Inspite of me making arrangements and notifying them when my payment will be made I get no less than XXXX calls per day between my home and cell phone. The last call I received stated that my representative XXXX, who was ( is nasty on the phone ) would need to make a decision as to what she was going to do with my account come Wednesday XXXX XXXX. Really???? My account is not even 30 days late and I do not take kindly to underlying treats being made to me!! This is harassment and needs to stop, I had already advised them when the payments would be made, why are they continuing to even contact me let alone threatening me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I spoke with my bank about excessive fees being charged to my account when I do not keep a minimum balance for my account. I have autopay set up for a host of bills ( student loan, cable, electricity, insurance, etc. ). I do n't necessarily keep up with the timing of the bills, which is mainly the reason people have autopays set up. An autopay withdrawal for a student loan combined with my university fellowship being paid several weeks late made my balance fall to {$2300.00} when it should be {$2500.00}. The following day my fellowship was paid. They told me that they educated me about the minimum balance that I needed to keep at an earlier date. On that occasion, my credit card company debited this checking account twice for two statements, making my balance fall low the first time. Again, that first time was out of my control. I explained all of this to TD, and they refused to waive the fees completely. I am not ascribing blame to TD, but being a little bit flexible with when people are debited and credited should be standard when assessing fees. Having a balance {$150.00} under the minimum balance for less than 24 hours is not good practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: According to XXXX XXXX XXXX XXXX, the resident ( s ) located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. opened a Cable/Internet/Cellular account using my personal information. I do not now nor have I ever resided in XXXX, California. 

The account was placed in collections with Diversified Collections Inc. and is threatening to damage my credit - the account number for the collection is # XXXX. 

A police report was filed on XX/X/2017 with the XXXX Police Department, Tracking # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with United Recovery Solutions (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Friday XX/XX/XXXX I spoke with United Recovery, a debt collection agency regarding a XXXX credit card with an outstanding balance. The collection agency called my place of employment, XXXX XXXX, at XXXX. This number leads to an automated system explaining it is XXXX XXXX, and clearly not a personal number. I informed the gentleman on the phone that I am unable to take personal calls at work, and not to call me at this number again. I politely informed him I would call him regarding the matter from my personal phone when I am off the clock. On Monday XX/XX/XXXX at approximately XXXX XXXX, the same debt collector called my employer yet again, after being informed not to on a recorded line. My manager happened to answer the phone, and I was scolded for having personal calls at work. This is unacceptable and can jeopardize my job. We have a strict policy on personal calls at the bank, and I told them of this. They have disregarded my privacy and request.

Company response to consumer: Untimely response