milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX is a company I never signed a contract with. They are trying to collect a debt that I never had with them. The company charge off a debt and it has ruin my credit and I don't know who they are. Can you please help me because this is stopping my process in buying a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (I do not know) with ERC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX I sent Wells Fargo Dealer Services a letter requesting validation of a trade line that is appearing on my credit ... The trade line has yet to been verified as well as it is reporting incorrect information ... On XXXX there is no responsibility listed, No date of last payment, No estimated removal date, Missing account history, date payment received and scheduled payment ... There is also no actual amount paid listed nor the first date of delinquent payment ... Lastly it has yet to be put in dispute which is direct violation of the FCRA stating that all debt must be validated within 30 days or it has to be removed .... On XXXX it 's Missing the original creditor, the balance is missing, missing monthly payment, missing past due amount, as well as the high balance is missing..

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 05/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX XXXX I sent Navient a payment for {$28.00} to satisfy the final amount owed on my student loans. On XXXX XXXX XXXX Navient cashed my check for {$28.00} according to my records on my XXXX XXXX XXXX account. Navient has yet to apply the payment to my account. I contacted Navient on Wednesday XXXX via telephone and spoke to a customer service representative about the issue. The representative told me to fax in a description of the issue and any documentation I had. I sent this info on Wednesday XXXX XXXX to XXXX at XXXX XXXX ( with a successful transmission confirmation ) and have yet to hear a response even though the customer service representative told me I would receive a response in XXXX hours. On Tuesday XXXX XXXX I followed up with Navient by sending a XXXX and direct message to their XXXX account and emailing XXXXXXXXXXXX. The XXXX representative responded to my message by saying they would review and get back to me in XXXX hours. I have yet to receive any further response and not acknowledgement of my email or issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me XXXX. Then they called and said because they noticed I was a federal employee that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: It is a XXXX Bill that they had told me. I did not make that bill. I have told them over and over. I did n't make that bill. I want it off my credit report.

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 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted the customer service number to equifax for help with these inquiries they said there was nothing I ca n't do I know that is not true I would like them to provide me with the name the number and the extension of the person they talk to and the reason why it can not be deleted for each inquiry here is a list XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with CITIBANK, N.A. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX representative called to collect a debt and had the wrong address. Ive written emails to dispute however Im faced with several calls indicating I owe a 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 12/20/2015 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I started receiving many calls from numbers I did not recognize. It is an issue in the fact that at times they did not leave a message at all and others, the voicemail that was left did not have anyone talking to me, just noise in the background. On the instances that I have answered any of these calls, the caller recited that it was " a recorded call and an attempt to collect a debt, '' in which I responded by requesting that they stopped calling. These calls have not stopped. I have received them at all hours of the day, sometimes back-to-back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Medical) with Medical Society Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received bill for around {$180.00} and XXXX charges for a total of {$45.00}. Paid {$180.00} my XXXX deductible by check.. I would have paid {$45.00} but I have medicare and a rap around insurance and should not have to pay because my coverage. ( I really do not believe they applied to my insurance ). Also the XXXX entries {$45.00} were ( patient not known ) beside each. When I was speaking to rep from billing dept. she told me not to pay that, because I asked her about it. The calls every week ( I even called and them and said I would be glad to pay but thats why I have extra insurance for ) and I over and over explained to each person that I had insurance and they reluctantly took the info down ) .Each time the rep acted as if it was the first time they heard about it. I have had this problem with medical service. I give my medicare info and rap around insurance, then low and behold they do not file with my insurance. I guess too much trouble. Now the BURAEU OF MEDICAL ECONOMICS IS A CALLING. I must say I pay all my bills, and never refuse what I owe. Repeatedly I have talked to persistent reps and they say ok and -keep calling. By the way the next billings were changed to {$45.00} XXXX with no patient not known entry ), Funny thing a day ago I got another bill from the hospital for the original {$45.00} and an additional charge for {$12.00} for a visit to the facility. Now if I know they did not bill my insurance. HELP!!! I must tell you, I love my doctors and my hospital and I would never try and escape from paying I never will and I never have. *note : I checked the debt is not mine but is is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX is stating that I owe them {$150.00} for cancellation of contract. I requested verification that I had a signed contract and they only forwarded the attached forms. When I originally called on XX/XX/XXXX16 they had nothing under my name or phone number. I am unaware of a contract being signed and their rate of XXXX cents per XXXX is reflective of the current rate from our local XXXX XXXX XXXX XXXX XXXX. They sent me to collections with a company named Credit Protection Association LP. See attached

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 03/19/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (ND).
Issue: Loan modification,collection,foreclosure

Complaint: We started dealing with Citi Mortgage back in XX/XX/XXXX for a modification. During the process of approximately 14 months, of continuing to send them documents after documents. The same documents many times. Having approximatley XXXX different representatives helping us. With each time a change in representative, meant us sending again the same documents. Also, we found out that some had different answers than others. At the beginning of this process, we were told by Citi Mortgage that in order to be approved to continue to go on with the modification process, we had to be 4 months behind. If we are current that shows Citi Mortgage there is no need for a modification. So that is what we did. I will say that is the dumbest thing we did. Than we ended up to where out acct ended up in foreclosure status, and we could no longer make payments. After many, many months of frustration we contact XXXX XXXX XXXX to have them help us with the process. We started with them in XX/XX/XXXX. As of today, we are still working with them. XXXX XXXX XXXX representative tells me that Citi Mortgage continues to ask for documents. XXXX of many frustrating moments is with XXXX at Citi Mortgage. We have sent multiple times a letter stating in regards to some land we have. It was stated to her in detail that this land is a cash rent land. There is no mortgage on the land, it was in-heritated. It is split between my husband and his XXXX siblings. That the land is crop land only. We stated who farms it, the amount we receive. XXXX decided to determine we had a home on this property. Which delayed things again. There was never any indication of a XXXX home. If she would have read the answer to her question on this property, she should have known that it is crop land only. Is a field of weeds until the farmer puts the crop in. That we get a payment XXXX a year. not monthly as she was assuming. We have been served papers today by the attorney for Citi Mortgage, but yet they continue to call us daily. We do not speak to them as that is what XXXX XXXX XXXX is for. 
This process has taken way too long. Many of the documents that they keep asking for do not change. The only thing that changes slightly is our pay stubs and bank statements. We need help to get this finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Ocwen Loan Servicing and XXXX XXXX have committed years of fraud against me and I ca n't get help from anyone. 2008, during pending litigation XXXX XXXX and Ocwen Loan Servicing used forged fabricated documented in court to seek judgement to rescind my Full Reconveyance. My original loan amount that was paid off was {$550000.00}. Ocwen threatened me to either except a {$750000.00} loan modification or they would foreclosure on my home in just days, and threatened if I ever discuss the Loan with anyone they would again foreclose. I filed multiple police reports, XXXX complaints along with evidence of fraud but since the system is so corrrupt I ca n't get help. I sent all evidence to XXXX attorney. Please give me the right to have a fair investigation or please involve the FBI in my matter so they can investigate the fraud that Ocwen throws in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy is incorrectly being reported 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 06/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind in my mortgage due to a change in income, I lost my job.My home has a forclosure date of XXXX/XXXX/2016 on it. I have been trying to work with Wells Fargo to remedy my situation. I have an active purchase offer for my home. I faxed in the offer with proof of funds from the buyer to Wells Fargo on XXXX XXXX, 2016. They have told me they may not accept the offer due to time frames. I need help to postpone this forclosure. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: after repeated attempts to explain to B of A that my income dropped because of retirement or was about to, asking for credit card interest rate modification, I was told they would review it the next month, also the rate went from about XXXX to over 21 % once they " re-evaluated '' my income situation because I missed work due to medical issue which reduced my income temporarily. I would like to get copes of the phone calls to my cell phone from the period of XXXX XXXX to XXXX XXXX as now they are sueing me for non payment, In turn I will counter sue for harassing phone calls. Repeated attempts to B of A even though I spoke to supervisior was the same rehearsed reply, " we will review this next month '' Many times I answer and asked for relief to hear the same story. Many of there harassing phone calls were from many variations of phone numbers and multiple calls having to say the same thing over sometimes an hour apart. This happened repeately

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently ordered my credit report from Equifax and noticed a number of unauthorized enquiries.There were enquiries from 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 I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 I submitted a complaint to GENERAL MOTORS FINANCIAL COMPANY, INC. with the CFPB complaint # XXXX. And they replied with a Lazy Generic response letter, that I needed to send them documentation of the account I have with them.. My complaint was not about any account I have with GENERAL MOTORS FINANCIAL COMPANY, But I was a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Having to do with the Equifax Data Breach -- Since the announcement of the breach, I have been receiving repeated and threatening aggressive solicitations for credit monitoring and protection services for a price varying from $ 10 monthly to $ 30 monthly from XXXX, XXXX, and others beginning now and continuing forever. 

While there is probably a need for this service due to the breach, why should every adult ( 143 million individuals ) in the United States be penalized between {$120.00} to {$360.00} per year because of Equifax 's negligence? 

I suggest that legislation be passed immediately or, failing that, a class action be filed by the US Attorney to at least cover these individual costs.
I have no relationship with Equifax, have not asked for their service, and see no reason why I or any other American be held accountable for their failing to protect data collected without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates , LLC is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Late fee

Complaint: I used a credit card issued by Bank of America ( BOA ). However, I have been charged once for return check fee and once for late payment fee. I have never tried to make late payment or void payment. Both issues were caused by the fact that BOA does not provide enough instructions and help in setting up online payment correctly. I thought I have set up recurring online payment correctly. I do n't know know why it did not work well. I tried to got help several time through its online service and phone service. When I asked them to check if I set up the recurring payment successfully, they failed to provide this service. Online chat representative asked me made a call. When I finally got connected with the phone representative, she said she were not able to confirm for me. Now they charged the fees and refuse the reverse them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX and their representative credit company Caine & Weiner put a fraudulent debit on my account, as they are claiming I have not returned the laptop which they issued me, which I already did and now they are saying its not a correct laptop and in essence put a charge of {$930.00} charge against me and also still have the laptop which i returned, so they have the lap top and wants more money, when I explained that to Caine & Weiner they said since they already reported this to XXXX major credit companies, they will not correct it and they are convinced, that XXXX claim is corrrect, even thought that they still have the laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with Colony Brands, Inc. (IL).
Issue: Other

Complaint: This agency is reporting an account on my redit profile which does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As agreed i paid the amount that was owed. Account is closed and current and should be removed from my credit report. The amount Solomon and Solomon are reporting and the amount i owe XXXX were not the same which makes it look like XXXX different credit reportings. The collection agency did not ever contact me they just made a collection report on my file.

Company response to consumer: Closed with explanation