milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have file a couple of dispute against a collection company, that were collecting for XXXX and won my disputes and it was remove off my credit report in collection. I do n't understand why is Enhanced Recovery Corp. is trying to collect on something that have already been investigated, solve and remove off of all XXXX credit bureaus. I have no agreement with Enhanced Recovery Corp or spoken to them on this issue. I like would them to remove this collection off my credit report or I will pursue a civil suit for harassment and for reporting false information on my credit report.

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 01/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio has the correct address for me. I have notified Select Portfolio of my new address ( or addresses ) pursuant to the Select Portfolio 's requirements for receiving a notice of a change of address.They allegedly sold their servicing rights on XXXX XXXX, XXXX. Select Portfolio did not follow the law regarding sending a notice of transfer 15 days prior to date of transfer. ( See 12 C.F.R. 1024.33 ( b ), and CFPB Bulletin XXXX, Date : XXXX XXXX, XXXX, Subject : Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX and Equifax has not properly verified my disputes regarding XXXX. They have not validated the validity of the debt nor have they sent me such validation as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my wife 's phone number about 6 times already. From XXXX 2015 till now but I do n't know what they want. But I do n't know the number either. They do n't leave any messages or anythingelse. It is in the morning around XXXX or so. Then they will call tomorrow then again then again. Harrassing her is really beginning to be a problem. We have n't gotten anything in the mail or they did not leave any messages. Except a robo call also keep calling also. I did check my credit report and hers I did not find anything from these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Talked to trans union because a late payment was reported on a 3 plus charged off acct. which crashed my score by 46 plus points they are saying they dont see this but can you explain the sudden point drop! All of my credit monitor sites show this late payment!

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company is reporting inaccuarate and unverified information about me

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 08/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX  and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Delinquent account

Complaint: In XXXX of 2015 i contacted XXXX ( XXXX ) XXXX regarding a credit card i try to see if we can settle but they started to engage in unfair and deceptive collection practices and started to violate the Fair Debt Collections Practices Act and Unfair And Deceptive Acts And Practices ( UDAP ). At that point i had terminate the call the debt collector i was trying to settle with wanted me to secure the payment right there on phone and i stated i did n't want to until the day the funds where available and indicated that i did n't have a card and wanted to mail it in. Once the debt collector realized i was n't going to secure the payment right then she stated that settlement was no longer an option and i could n't mail in the settlement then i became no longer eligible for a settlement at that point she started to violate FDCPA and UDAP for unfair business practices. I also told them numerous amount of times to stop calling the telephone they had on a recorded line they kept continuing to call the cell phone number multiple times and multiple times a day, throughout the course of several months. At this point i am filing a complaint and going to explore further options.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Student loan (Federal student loan servicing) with The Student Loan Project, Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: We were contacted from The Student Loan Pro who knew all of my information about my student federal loan. They told me I could pay them XXXX to consolidated my student loans. Never once mentioning this is a free service through the federal government. When my wife called on her student loans they explained its a free service to consolidate the loans and that we should contact CFPB on what was being done.

Company response to consumer: Untimely response
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with AllianceOne Recievables Management (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter XXXX XXXX XXXX saying I was going to be placed in collections for money owed to XXXX, XXXX A MD, XXXX. i called on XXXX/XXXX/XXXX and spoke to a person by the name of XXXX. I explained to XXXX that I do n't know who this doctor is, that I never made an appointment with them, I did not sign any forms giving consent of treatment and that I want this company to send me proof that I did any of these things. She was very rude on the phone and told me that she would send me the proof. I have not gotten any proof but I did receive another letter saying I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Checking account) with KEYCORP (CT).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX XXXX was sold to key bank. Upon re-enrolling in on-line banking my account for on-line was locked. I called customer service and re-re-enrolled. I was forced to change user name and password yet again. 2 days later my account was locked yet again. upon calling customer service I was told I needed to re-enroll yet again with another new user name and password. System would not accept my original user name as it had been used previously I was told. If my information is in the bank system as being used previously then I am in the system that wont let me in. Why? No one can explain that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: OnXX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.

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 04/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Yesterday, I received an initially alarming phone call from XXXX, stating : This is XXXX XXXX, we have received an order for 2 allegations to be filed against you immediately with the county clerk 's office. This department will be actively pursuing you at your place of employment and place of residence. You do have a legal right to ( unintelligible ) with the plaintiff outside of court. Please understand when you are located, you do forfeit that right. You can contact our legal department at XXXX. Refer to your case number XXXX You can reach us directly at XXXX or you may press O now to speak to a live agent. 
I had student loans, federal and private, which were paid off in the 20th Century. I had one loan for attending XXXX College, and another for attending XXXX School, both in NY.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer.

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 11-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have had many financial struggles in the past. It has taken me years to finally become financially stable enough to work on my debts. In XXXX, XXXX, & XXXX there were late payments to FedLoan posted to my credit score. Recently I have been paying off what I can to build my credit score up, but there are XXXX late payment reports posted by FedLoan that are keeping me from making any serious progress. I understand if the XXXX payments have to stay on until the 7 years is up, but my understanding is that reports on a credit score are removed after 7 years, so I am hoping that the XXXX XXXX & the XXXX XXXX late payments could please be removed. I have set up automatic electronic payments with FedLoan to slowly but surely pay off my loans. Trying to get an apartment or a car will be severely affected by my credit score & every little bit that I 'm paying off is helping it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Closing on a mortgage

Complaint: Dear XXXX, XXXX house was sold and my loan was fully paid on XXXX XXXX, XXXX. XXXX is remained in my escrow account. This refund amount has not been paid to me. I called the mortgage company many times and they state that check is issued but can not verify when or even whether the check was sent. Somehow, they are holding the check and not sending the refund check via mail.. 
It has been over XXXX months now, and still receive similar response and no refund check is sent. I can not speak with any supervisor on the line and they continue to repeat that the refund check is issued. However, we have not received the refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (DC).
Issue: Trouble during payment process

Complaint: I bought a new coop unit in XXXX. I have repeatedly asked PNC Bank to set me up for paper statements and they have yet to do so two months later. My mortgage loan is # XXXX. All I need is for them to mail me paper statements to the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In mid XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship. In addition I lost my full time job due to the care I had to provide to my wife. I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current. 

I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, for several months I began to fax all requested documents in addition they had me notarize the documents we faxed to the modification department. I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was XXXX, anguish they kept denying my request for a modification, Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it has become a nightmare. I continued to plead with them for a loan modification but to no avail. 

I want to file a SECOND complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method they apply for a loan modification in order to deny the ( HAMP ) - Making Home Affordable Program and any loan modification after I was assured I would be eligible for a loan modification if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan. I believe this is clearly a violation of the HAMP program code 1.1.3 HAMP Tier 2 Eligibility and Tier 3. Additional Factors Impacting HAMP Eligibility and the program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 which I fall within the aforementioned guidelines. 

I also consider they are violating The Truth In Lending Act - TILA. This federal law was enacted in XX/XX/XXXX with the intention of protecting consumers in their dealings with lenders and creditors. The Truth in Lending Act was implemented by the Federal-Reserve-through-a-series-of-regulations.

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 08/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I HAD RECEIVED A VISA CREDIT CARD # XXXX FROM CAPITAL ONE AND ABOUT XX/XX/2016 THEY PLACED RESTRICTION ON MY ACCOUNT & NOT ALLOWED ME TO USE THE BENEFITS THE CARD GOT TO OFFER UNDER CASE # XXXX. I HAD SUBMITTED ALL DOCUMENTATIONS FOR PROOF OF MAILING & PHYSICAL ADDRESS AND THEY INSISTING ON THREE WAY CALLS WITH MY FINANCIAL INSTITUTION TO INQUIRED PRIVATE BANKING INFORMATION ABOUT THE ACCOUNT WHERE THE PAYMENT ARE MADE ELECTRONICALLY. THEY ARE VIOLATING ALL MY FEDERAL PROTECTION RIGHTS IN REGARDS BANKING. I NEED TO HAVE MY ACCOUNT RE-ACTIVATED IMMEDIATELY PLUS ALL REMEDIES ARE AVAILABLE FOR ALL THE E-MAIL & PHONE CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Non-federal student loan) with SUNRISE CREDIT SERVICES, INC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call at XXXX on XXXX/XXXX/16 from Sunrise Credit Services XXXX The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from XXXX XXXX Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from Sunrise Credit Services. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XXXX and XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XXXX. I remained in Forbearance until the loan was consolidated. 

Details : I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX  refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that XXXX provide he source of who is reporting this information on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Auto) with LOBEL FINANCIAL CORPORATION (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The trash that represents Lobel Financial in XXXX recruited XXXX XXXX to collect a debt that has been disputed from day 1. Neither party has produced requested documentation as to the sale of the vehicle. The request was made via registered mail. They have a wellestablished pattern of failing to respond to requests. The XXXX XXXX XXXX has over XXXX open complaints against them. They continue to carry on this practice in multiple states. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They started charging me an additional {$66.00} a month even BEFORE the first payment was ever due. That was after they changed my payment amount from {$290.00} to {$320.00}. Take a look at the XXXX XXXX XXXX XXXX filings. It shows the latest XXXX filings by Lobel Financial. XXXX and XXXX XXXX do all the filings. Both are XXXX that profit from the company. Double dipping and unethical. Ca n't pass the smell test there. Read the complaints and look at the scam they 're running with the insurance. They 've duped many people out of there investments. They 're predatory lenders. And they have this ditbag XXXX XXXX funds out of my check that were never owed. Their practices need to be investigated in every state they do business. They are thieves and liars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are several hard inquiries that i never authorized to run my credit and some are on there multiple times. The Inquirer and Dates are as follows : Name : Date : XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company 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