milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with DYNAMIC RECOVERY SERVICES, INC. (DE).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX XXXX XXXX has been calling my wife and I for a account that was charged off back in 2006, For many weeks even after we told them they do n't have the right to harass or try to intimidate us over this matter and this matter was settled over 11 years ago and a number of debt collector ago where I made a offer to settle and clear the debt and never had further contact from any other debt collectors over the past 11years ; Now the XXXX XXXX XXXX have turned even more aggressive now we asked them to stop with the phone calls every other day and night for weeks on end ; They wo n't listen to our request and could only tell us that they are the fourth debt collection agency since 2006 that wanted to collect the debt even after I told I settled this matter and to cease and desist all forms of contact on this matter for it was settled 11 years ago and to leave us alone for the final time on this matter ...

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Using a debit or ATM card

Complaint: I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio recovery XXXX has been calling me for over XXXX years. They are looking for someone who does not live at my address. I blocked the number so now it rings once and hangs up. I call back and ask to speak with the supervision. This has happened at least XXXX times. Each time I am told that they will take my number off and the calls should stop. However, the calls continue morning, day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was handled by Green Tree Servicing and many if not all of the conditions stated in the XXXX XXXX, XXXX complaint occurred during the time ( 10+ years ) Green Tree was handling my account. Now it is Ditech continuing the same activities. Green Tree charged me the {$12.00} fee just about every month that I phoned in my payment, whether it was on time or late. I also paid insurance fees to them after being told that I had to have insurance on the home. I was laid off and unemployed from XX/XX/XXXX into XX/XX/XXXX and was constantly harassed and threatened with repossession by Green Tree representatives. 
Now Ditech is calling and threatening me with repossession if I am 2 weeks late with my payment. They have called my home 10 times in one day. Somehow they obtained my employers phone number and have called me there, even after I asked them to not call me at work. They obtained my daughter and her husbands phone numbers and have called them and left threatening messages. I 'd like to know if Green Tree ever actually paid out any of the XXXX dollar XX/XX/XXXX settlement, because I never recieved a dime from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Prepaid card (Transit card) with NETSPEND CORPORATION (IA).
Issue: Unauthorized transactions/trans. issues

Complaint: Western Union Prepaid XXXX XXXX, has extended my dispute to XXXX calender days, which I know is illegal by federal regulation XXXX, in the process of dispute, is it required that a financial institution resolve all disputes between XXXX and XXXX, then 30 days, but only after not being able to find what they are looking for. Then by law, they are required to give a decision after 30 days. And if the evidence doesnt give either way, then they are required to send a letter, stating that it was unfounded due to insufficient information. XXXX calender days to make a decision, I do n't think so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: There is a feature on Navient 's website that allows you to pay loans together by type. When the loan is over paid, it spreads the over payment among all of the loans in that group evenly. However, not all of the loans have the same interest rates. This is deceptive and even predatory in nature because I may wish for the extra payment to go towards paying down the principle of the loan with the higher interest rate instead of the XXXX at 1 %. The company did n't use to have this on their website and I feel that they are engineering the site to extract even more cash out of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for XXXX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.

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 08-01-2016 about Credit reporting () with LEXISNEXIS (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A subject selection for my issue is not available so I improvised ... 

My homeowners insurance company notified me that my renewal " premium has been adversely affected by information received from LexisNexis ''. The impact is {$68.00}. 
I obtained a copy of the credit report. 

The report reflects that I have XXXX accounts with high credit over {$530000.00}. What they are doing is adding up every single account I have opened in my entire credit history, which they have since XXXX. The reality is that I replaced XXXX cars every 3 years. Report includes all my car loans starting in XXXX. What is the relevance of a car loan I took 23 years ago? How absurd is this? Even though I 've never had a late payment, the length of my history works against me. The report does not distinguish between " concurrently open '', " historically '' and " currently open ''. It is adding together without any distinction among mortgage, car loans and credit cards. 

The report is supposed to provide a fair representation of my insurance risk, yet the ways LexisNexis is going about it is discriminatory against those with lengthy history. And those with lengthy history are by definition older and deserve the protection of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Other mortgage) with U.S. BANCORP (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get a payoff statement from my former Mortgage company, US bank home mortgage, Last Monday I called to request this and they could not send it to me that day, instead they could email it to me within 3 to 4 days via XXXX secure server. by Friday I still had not received it and so i called them again, they said they would fax it over to me with in 10 to 15 minutes and put in a rush request for it to be emailed to me and also told me that normally it would actually take up 7 days but it is scheduled to be emailed by monday. I never recieved the fax on friday. so I called AGAIN today and they stated that the rush request had been viewed and opened but NOTHING had been done about it, but it is scheduled today to be emailed sometime today and they could not give me a time. i needed this letter last week not to mention they STILL have not reported this home as paid of with a clear title since it has been paid off since XX/XX/2016.

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 10/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in review for a loan modification and have provided all the paperwork that my mortgage servicer has requested. I also have a foreclosure sale scheduled on XXXX/XXXX/15 and need help getting it pushed back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ERC is fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This phone acct was fraud under my name as I did not open this account After numerous attempts with ERC as well as the credit bureaus, they have not provided me with proof such as my actual signature in opening this such account therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!

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 12/14/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just wrote up a XXXX description and it is now ALL GONE!!!!! THANKS!! I really appreciate wasting my time on writing information you request, and when I continue, there is pop ups, then I close them, and now the page goes somewhere, I go back and have to start all over!!! 

I will be brief, since I wasted my time already. 
I am being harassed by Educational Computer Systems , Inc. ( ECSI ). Upon getting numerous postal mail, I sent a certified letter to them telling them to resolve the situation to take me to court. Otherwise and more correspondence would be an act of aggressive harassment. Which they have had done a few times. I told the I do not owe ANY money and that I can prove, instead I get the attitude when I called that they are the " FEDERAL GOVERNMENT '' and that I have to pay, because that 's what it says on a piece of paper or computer screen. I know the federal government is bunch of basket cases, ( whole reason why I have to write this ) and very incompetent as well. With this being said, there is other debt from the student loan that I do not owe money and can prove it. However, it goes on deaf ears and I am suffering the consequence of the perfect example of incompetence in the workplace. 
Furthermore, if you look at the attach document of " Statement of Account ''. If someone with half a brain that understand how XXXX, then why did a senator not see it, when I bluntly told him? It states right on there, {$550.00} for XXXX or {$330.00} for XXXX credit hours. I show credit hours of XXXX! Nonetheless, $ XXXX $ XXXX {$880.00}. Now in reality, I should have been paying {$330.00} for the XXXX credit hours at {$3900.00}. Instead I owe {$6300.00} and an additional {$360.00}, in order to continue! 
You have had time to look over these documents. YOU, meaning the GOVERNMENT! I even went as far as contacting the FBI, but still since I am one person, I am disregarded!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I BEGAN to prepare HELOC applications, with XXXX and XXXX, XXXX 2016. I have a XXXX HELOC and am in the pay off stage ; and I 've paid off my mortgage with XXXX. I have been a XXXX customer for 35 years. Both XXXX and XXXX pre-approved me for HELOCs. 
At the very same time that I began to apply for XXXX and XXXX HELOCs, to compare offers, I began to receive credit cards, and requests for additional aplication information, from several banks. I placed a fraud alert with all XXXX credit reporting agencies, filed an FTC report, and I 'm speaking to the banks and non-financial companies offering cars or requesting additional information directly with the non-financial companies alerting them that this was identity theft, all the cards and applications were fraudulent, and asked them remove any hard inquiries that appeared 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 01-07-2018 about Student loan (Private student loan) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX our daughter XXXX XXXX and left 3 student loans we had co signed for her to attend college. Shortly after her XXXX we started receiving multiple phone calls from American Education Services demanding payments. When we advised them of our daughter XXXX XXXX the phone calls did finally stop and we heard nothing for awhile until we received a request for a copy of the XXXX certificate in late XX/XX/XXXX to see if the loans would be discharged according to AES. In late XX/XX/XXXX we provided a copy of the XXXX certificate and wrote a formal letter requesting discharge of the loans. As of this writing all we have received is a copy of the promissory notes and not a formal written explanation as to why these loans can not be discharged since she XXXX XXXX. As a Military Vet who served this country honorably for 24 years its horrible to be treated so unfairly and without a genuine explanation. We are stilll trying to get over the tragic XXXX of our daughter and to have this held over is nothing but more stress and anguish.. Further information is below :.. 

XX/XX/XXXX AES notified all 3 credit reporting agencies the 3 AES loans were closed. 
XX/XX/XXXX AES notified us the loans were in forbearance for the next 60 days XX/XX/XXXX AES notified a 3 credit reporting agencies the loans were 60 days overdue and reopened the loans in a separate filing with all 3 credit reporting agencies cutting my credit score over 90 points. As of XX/XX/XXXX my understanding from AES was the loans were never discharged but their poor credit reporting led us to believe no payments were due.until we received a letter on XX/XX/XXXX stating the payments would resume in XX/XX/XXXX. AES needs to communicate clearly on what were suppose to do and not damage a credit report because they can on a dialy basis.....

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Problems when you are unable to pay

Complaint: the lease with american honda finance was discharged by chapter XXXX on XXXX and they were reporting to XXXX correctly theu XXXX but on XXXX they removed the chapter XXXX discharge and started reporting current late or missed payments, i have disputed with XXXX but they only answer that american honda finance claims that they are reporting correctly and only america honda can make the change no matter what documents i provide such as the chapter XXXX discharge of american finance. i have sent letters to american honda and they never respond. i am in the process of purchasing a home and this is causing a problem

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Asked repeatedly for debt validation and never received anything in the mail. This is a collection agency ( NAM ) who calls repeatedly asking for money to pay on an old XXXX loan. I am a XXXX. I have been on a XXXX way call trying to get the company to send the client debt validation information. The client has asked repeatedly herself for information in the mail stating money owed and where to send money. She has never received anything from this company.

Company response to consumer: Untimely response
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with GREAT WESTERN BANCORP, INC. (OH).
Issue: Closing on a mortgage

Complaint: I divorced in XXXX at which time all mortgage liabilities were transferred to my ex wife.The mortgage in question was a second mortgage on her primary residence with Great Western Bank. This mortgage went into foreclosure after our divorce at which time Great Western Bank sent a letter of reinstatement to my ex wife, in her name only, with an offer to reinstate the mortgage and accept a {$20000.00} grant from Ohio Save a Dream. The reinstatement offer letter demanded that I also sign the " CIT '' " Change in Terms '' documents which were sent to the closing with the Save a dream  grant. This closing took place in XX/XX/XXXX My ex wife informed both Ohio Save A Dream and Great Western Bank ( and their legal firm/XXXX XXXX ) that I REFUSED to sign a " CIT-Change in Terms '' I also did not attend this loan closing for the grant or reinstatement. Although I refused to comply with the " CIT-Change in Terms '' reinstatement requirements or accept the grant funds for the {$28000.00} in legal fees charged in connection with this reinstatement, Great Western Bank continues to hold me as the SOLE signer obligated to this mortgage and has filed collections against my credit which has negatively impacted my credit score and causing me irreparable financial damages. <P/>My ex wife and myself have contacted Great Western Bank, ( XXXX XXXX ) and XXXX XXXX XXXX ; all parties involved in this transaction to no avail. Great Western Bank allowed this reinstatement without my signature or consent although it was demanded as a prerequisite for this mortgage reinstatement. <P/>I am requesting a full investigation into this matter and the removal of this illegal charge against my credit report. I am in no way obligated to pay for this mortgage per my divorce decree which was given to Great Western Bank/XXXX XXXX XXXX and per my refusal to sign the " Change In Terms '' agreement as demanded in the attached letter from Great Western Bank/XXXX XXXX XXXX  This company continues to harrass me and refuses to correct my credit immediately although they have clearly violated my consumer rights and protection under the CFPB policies. <P/>
Copies of the signed Change in Terms and reinstatement closing documents have been requested from all parties however Great Western Bank/XXXX XXXX XXXX and XXXX XXXX have refused to provide these documents. I also request the CFPB investigate all parties to this claim. Each has violated my rights and impacted my credit rating irreparably due to this negligence.

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