milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In 2013, I arranged with Comenity Bank/XXXX XXXX XXXX XXXX a payment for my account via telephone. This phone conversation was recorded, and I was even advised by the individual our conversation was recorded. I was told that by paying the full balance immediately to CB/XXXX XXXX XXXX, that the information would be deleted off my credit reports. I was explicitly clear in my question, that once I pay this item, it would be removed from my credit report. The employee responded that yes, the item will be deleted. I have tried numerous times since making this payment to obtain copies of this recording, and every single employee says they are confidential and can not be accessed. CB/XXXX has access to these tapes, yet the continue to say the debt was in fact charged off. I have a right to access proof of the agreement. CB/XXXX XXXX XXXX continues to report erroneously on this account, with some credit bureaus reporting Late - Charge Off and others Paid - Charge Off. This debt was never charged off, as I paid the company directly. It was a requirement in my background investigation for my employer to clear negative items from my report. While I showed my employer proof of payment via my bank statement, I never received a receipt from CB/XXXX XXXX XXXX for the payment. I respectfully request that the CFPB intervene, as it is clear CB/XXXX XXXX XXXX does not care about company procedures, customer privacy, and compliance with the Fair Credit Reporting Act. Furthermore, CB/XXXX XXXX XXXX has numerous addresses that have made it nearly impossible to keep track of investigation statuses, I 've only received notifications via third party monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was taken care of as a result of a consumer credit counseling debt consolidation and the original creditor XXXX XXXX XXXX XXXX was paid over {$4000.00} in which I paid more than the monthly agreed amount. The contract ended in XXXX and the account was closed. XXXX is now billing me for {$2600.00} of which I do not owe. 

When I have asked for verification they have provided me with XXXX statements showing a balance statement of revolving credit. XXXX from XXXX and XXXX from XXXX. Neither of which shows any purchases I have disputed this several times with no resolution. 

I do not owe them any money. I have paid my debt. This has been on my credit report since XXXX and I can not get rid of it. I have been trying to clean up my credit the right way and to have these types of companies who can do this is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a XXXX customer until XX/XX/XXXX. On XXXX/XXXX/XXXX I received a letter from SourceRM stating that I owed XXXX {$36.00}. I called XXXX, complaining that they waited 17 months to contact me. I requested that they check their records, and after a 10 minute delay told me that I owed nothing. I checked my bank records to prove that I had paid the full amount of over {$60.00}, but they only credited me with about {$30.00}. If they were able to check their records and show that I had paid the full amount, why did they refer a {$30.00} past due notice to a collection agency? On XX/XX/XXXX I called SourceRM and the woman who answered the phone verified that my account showed " paid in full ''. Today, XX/XX/XXXX I received another letter from SourceRM reminding me that I owe {$36.00}. I 'm assuming at this point that it was mailed before I called them on XX/XX/XXXX. My concern is that many people would just pay the {$30.00} to avoid " a negative credit bureau record ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Student loan (Private student loan) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The loan borrowed started in XX/XX/XXXX, I never knew that my loan was a private loan stating the original loan came from XXXX. I am now in repayment, over the time I was not in repayment interest has been added on which seems to be daily at a rate of 10.5 % which started at 9.95 % I never knew that the rate was a variable rate until this recent month as I began to look over my statements and to why my payment continues to get higher each month. 
I borrowed {$15000.00} dollars to my knowledge in XX/XX/XXXX and during the time i left the school due to financial issues. Here now it is XX/XX/XXXX and the account on the AES website states I owe them {$29000.00} with repayment for 142 months of {$370.00} Paying a total of {$53000.00} to them for {$15000.00} that i borrowed that is down right sick!! So now facing this issue of not knowing what my payment maybe within the next few months due to a variable rate and how they do things to their terms without proper documentation. 
I asked AES for the master promissory note i received 8 pieces of paper that 1. ) had the wrong amount on it, 2. ) missing pieces of paper to complete the whole master promissory note,3. )  Information blanked out that AES claims is to protect me, I was told by XXXX ID # XXXX on XX/XX/XXXX That the information that is blanked out is to prevent the mail being intercepted into the wrong hands. Also with the missing documents of my 3rd disbursement that has been calculated into my loan, XXXX did advise me to call my school to check the financial records of the disbursements. They do not have the proper documents to continue to pursue the loan. The company and individuals I have spoken with have basically been rude, unprofessional, the loan information is very misleading, predatory with interest rates as high as they please. This company is a thief and the people who work for them have covered their lies of documentation

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.

Company response to consumer: Closed
Consumer complaint received 01-01-2017 about Consumer Loan (Vehicle loan) with DriveTime (MO).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from the XXXX drive time dealership and was cheated out of my money. I 've have had this vehicle for two years and was never provided a title. I have been basically bad mouth, insulted and mistreated by their customer relations department. I have now file a complaint with the state attorney general 's office as well as the department of motor vehicles and the XXXX and the CFPB. Your customer relations department never offered me an option and is now trying to settle under the table even though I 've requested an arbitrator to have this placed on record. After doing a vin check I found that the title has a lien against it. I have gotten multiple tickets and fines for failure to register the vehicle and was told by the state highway patrol to stop driving the car. Your dealership sold me a car even though my license was revoked and expired, took my down payment and had the XXXX fraudulently sign off on the deal. Drivetime never offered to put me in another vehicle, or fix the situation and in fact started to become rude as if I was bothering them. It was n't until I spoke with an Attorney, filed a claim with the state Attorney general 's office, the XXXX, CFPB and the department of motor vehicles thAt your customer relations department contacted me with a bogus offer. The offer was to return the vehicle and they will erase any dealings by removing the tradelines off my credit and any record of the sale. I asked about refunding my down payment and they basically started bad mouthing me as if I was ungrateful. Your company is trying to steal my money by taking the car back, erasing my good payment history, keeping my down payment and basically putting me on the street in a worst situation than I was in before dealing with them. I am asking you in good faith to refund my down payment and I will not pursue any other avenues. This has also been communicated to the local media as well.

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 09/23/2017 about Debt collection (Other debt) with I.C. System, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report through XXXX XXXX and noticed a Derogatory mark on XXXX. Also my credit scores dropped XXXX points. 

The collection agency is I C System ( {$160.00} balance ) and Original creditor is XXXX XXXX XXXX ( Opened XXXX XXXX, 2017 ) I have never opened any account with any of the companies owned by XXXX XXXX, such as XXXX XXXX or XXXX. 

This is obviously a case of identity theft or gross negligence on the part of I C Systems, who have erroneously misidentified me as the holder of this debt.

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 02/24/2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Stearns Lending assumed my home mortgage from XXXX in XXXX 2013. We added Stearns to our condo insurance policy as an additional insured at that time. Subsequently Stearns notified us that we did not have coverage and would provide hazard insurance for our property. We replied to their correspondence with proof of insurance coverage and Stearns replied that their hazard insurance had been canceled but that due to a lapse in our coverage we were charged {$34.00} and an impound account was initiated. We have never had a lapse in coverage on our property. There has been a continuous policy in place first with XXXX and then with XXXX XXXX. There has been no lapse. 
We have continued paying our mortgage on time with full principle and interest payments. We do not believe we should be charged for the {$34.00} premium or the escrow account. Stearns has now charged us late fees and submits us to a barrage of harassing " collections '' calls. I have invested much time and aggravation in attempting to clear up this matter dealing with a very difficult customer service organization at Stearns. I would like this matter resolved and my account statements corrected. Recently Stearns mailed me a check for {$150.00} with no explanation. Since I am clear that I have made the appropriate payments I will not cash this check, but do expect Stearns to correct my account statements to remove all charges for insurance and escrow withholds, which I neither need nor want.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to  obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX  and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with Risecredit, LLC (OH).
Issue: Managing the loan or lease

Complaint: I have taken out a loan with Rise and tried on multiple occasions to pay extra towards the principal and each time they apply the extra monies incorrectly so that the principal amount does not go down and this allows them to charge additional interest I have made multiple phone calls to them and get nowhere the original amount of the loan was XXXX I have paid over XXXX todate and they say my payoff is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Deposits and withdrawals

Complaint: This all began XX/XX/XXXX when my wife of 30+ years passed away. My stepdaughter had been living with us and continued to do so until the XXXX. Apparently, my stepdaughter had stolen blank checks from my home XX/XX/XXXX. When she moved out XX/XX/XXXX, I was still under much mental stress from the passing of my wife. I knew the amounts that had been deposited to my Regions Bank account and my account at another bank and what was withdrawn by me, but I did not discover the forgeries until I was contacted by the bank due to overdraft XX/XX/XXXX. I contacted my local branch and found that between the XXXX accounts over {$20000.00} had been XXXX and forged against my account. The XXXX account has reimbursed me over XXXX % of lost funds, however, that was a different bank. I have now been informed from Regions that I will not be reimbursed for the $ XXXX+ that was forged on this account, due to it not being reported within 30 days of the first forgery. However, these forgeries were reported to multiple counties and cities on forgery and theft charges upon encouragement to do so by Regions Bank to ensure my losses. I followed directions from the bank officer, and then received phone call last week stating that NO funds would be reimbursed. These transactions were due to the fault of the bank, by MULTIPLE tellers and branches, and the dollar amounts and timing of check cashing were extremely suspicious, and they were still cashed without question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (NJ).
Issue: Trouble during payment process

Complaint: My mortgage was transferred from XXXX XXXX to BSI Financial Services XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX to avoid foreclosure ( Ch-XXXX ). My mortgage at XXXX XXXX was modified XX/XX/XXXX and the new mortgage amount added all fees and back accrued interest. This modification was confirmed by the United States Bankruptcy Court. When XXXX XXXX sold the loan to BSI Financial, BSI had it classified as a delinquent loan in Bankruptcy even though the loan was modified and current. All monthly payment are made on time and current. I spoke to XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from BSI and everyone refused to speak to me about my loan. I do n't receive statements or monthly coupons from BSI. The only letter I received from them was a Notice of Servicing Transfer. I was informed by my Home Owner Insurance Company my policy was terminated due to non-payment even though the mortgage is escrowed. My attorney spoke to BSI in XX/XX/XXXX and faxed the necessary documents on XX/XX/XXXX to allow BSI to speak to me and update their files. I have left 3 voice mails to XXXX XXXX ( he is assigned to my loan ) without any return phone calls. Without monthly statements I do n't know if my Home Owner insurance is current or if they have been paying my real estate taxes. I started doing research on BSI Financial and see they have a history of consumer complaints. I thought it best to file a complaint since my efforts and my attorney 's efforts have been ineffective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with Alliance Data Card Services (MN).
Issue: Billing disputes

Complaint: I set up scheduled payments for both of my Comenity Bank cards, XXXX and XXXX as I always have ; however they did not take the scheduled payments. I checked my history and confirmed that I did indeed visit both sites which resulted in a one time payment confirmation. I feel their system malfunctioned and they are trying to get additional fees from me. I see numerous similar complaints and other that are very disturbing however given recent action against Comenity it is pretty clear they are not very honest. I have also emailed their CEO and President.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 at approx. XXXX., {$64000.00} from our Real Estate IOLTA account at Wells Fargo Bank was to be wired into XXXX for a closing which took place on XX/XX/2016. XXXX XXXX was the banker who supposedly did the transfer. We have confirmation of Outgoing Wire Transfer Request and confirmation that the money was taken out of our account. Wells Fargo Bank never processed the wire transfer. On XX/XX/2016, I spoke with the banker, XXXX XXXX and bank manager of the XXXX, CT branch of Wells Fargo, XXXX XXXX, where the wire transfer transaction occured. He stated that it was their fault but could not offer any reason as to why the transfer never happened. This has long reaching ramifications for our law office, not to mention the fact that the Seller 's attorney can put a grievance against our firm due to the failure of Wells Fargo to process the wire transfer.

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 03/23/2017 about Consumer Loan (Vehicle lease) with VW Credit (TX).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX I went to a VW Dealership and leased XXXX vehicles. This was a week before the Public announcement of VW Diesel Vehicles having an emission problem. As a " Lessee '' of XXXX affected diesel vehicles I was quite concerned. My concern was that I would never get money back when I turned these cars at the end of the lease. XXXX XXXX I received a " Goodwill '' offer, as did the rest of America to which left me even more concerned. All the while making my payments on time never being late. I reside in the State of Texas and did extensive research on the Lemon Law. On XXXX XXXX, XXXX I sent a certified letter to VW requesting termination of both leased vehicles due to all the problems.I received a letter back from VW stating they would not assist me so I then went ahead & filed a Lemon Law complaint. I received an immediate response and was planning on preceding that route. XXXX XXXX VW announced their intentions of some sort of settlement. I withdrew my complaint with the State of Texas and anxiously waited on how to proceed with my claim. I submitted in XXXX thru the online portal all of my documents and received confirmation of my submission. Few days later I checked the portal and it showed my claim missing. Plus there had been several media outlets stating owners of the affected vehicles did not need to make a monthly payment due to the car being payoff. I also confirmed reports on the FTC website. I thought the best answer would be from an actual VW employee. So I called the XXXX number and waited over 45 minutes. I finally got someone on the phone and I explained to her what I read and heard from Media outlets. The Volkswagen Representative informed me I was CORRECT and I did not need to make a payment. The vehicle would be paid in full at the time it was returned. Unfortunately I was informed incorrectly because VW is now reflecting on my Credit report that I was 90 days late on the XXXX and I am 150 days on the XXXX. I had a PERFECT payment history with Volkswagen Credit. Never was I late! Now I go from having XXXX credit scores to XXXX credit score. Furthermore when I went to speak to the General Manager at the dealership back in XXXX when I originally discovered how my credit looked, I explained to him the situation and was visibly upset. He told me that Volkswagen was loosing so many clients he had heard that the XXXX number was giving incorrect answers to customers so that the customer would have to keep the affected vehicle. Then he started pressuring me to buy another VW. Volkswagen 's actions are completely egregious and reckless. I am asking for your assistance with the following ; I would like for my credit cleared up so that I can purchase another vehicle & not to be forced to purchase another Volkswagen. Plus I want Volkswagen to be held accountable by filing a formal complaint. If you read on the FTC website I am not the only customer out there that has had problems with this company. When is enough enough?

Company response to consumer: Closed with explanation