milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit report and saw this company on listed as collecting XXXX. I myself personally do not go to XXXX any amusement parks. I sent in a dispute in writing in early XXXX 2015. I kept calling back to get the status of the dispute and was continually told to call back each week. I finally received correspondence in the mail showing what supposed charges. I requested to have the contract showing where I agreed to the account, date I agreed to the contract, and proof that the account was mine. The agency was only abel to provide me with a copy showing it was drafted from a XXXX account, but it did not show my name as listed on the XXXX account. I called this morning and spoke with XXXX XXXX. I advised her I received the documentation only showing that the account was drafted under XXXX. She was extremely rude and berating. I advised her that I requested further documentation proving the account was mine. She then in a heated and belittling voice told me that was the documentation, and that it was my account. I advised her that what was sent was not proof that it was my account, and that since I have requested complete validation of the debt over a month ago, and that it was not provided that under FCRA the account needs to be removed from my credit report. Her tone took an even more hateful tone. She then started to not let me speak, and basically called me a liar in so many words. I told her that since my name does not appear on the drafting account for XXXX I needed social security number that is attached to the accountI. She rudely stated that there is not XXXX. I asked her how can it be proven without my name on the XXXX account and my social how can this be proven it is mine, and then her response was " XXXX does n't require a social. '' I asked to speak with a manager and she said she was a manager, and that there was no XXXX higher i could speak to. I asked her her extension and she advised me that she does n't have an extension that we were speaking on a recorded line for managers at extension XXXX. I advised her that I would be getting in contact with the Attorney Generals office in her state and she just said " OK! '' I have the written documentation that was sent to me and I would be glad to send it in to accompany this complaint via fax. I do not have a way to scan it at this time, but can fax it today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Called Ditech about putting {$50000.00} towards my principal. Was told I could do it over the phone but would have to do XXXX electronic transfers of {$10000.00} dollars each. I agreed and make it very clear that the money was to go toward principal and that the money was to be taken from my savings account. The transfers were made and the next day I received an email from my credit union showing that I owed {$140.00} in NSF fees. The first transaction of {$10000.00} was taken from my saving account went through without any problems. But the next XXXX transaction of {$10000.00} did not go through because Ditech made a mistake and tried to take it out of my checking account. 
Ditech has admitted the error and they keep apologizing and say they are going to reimburse me, but the money never comes. Instead Ditech sends me a nasty letter saying they are charging me {$100.00} because the transactions did not go through. Ditech admits their mistake and then charges me {$100.00}. I am out {$240.00} for Ditech 's mistake. 
I have talked with 12 different people at Ditech including 3 supervisors and still do n't have my money. Ditech uses the old term " THE CHECK IS IN THE MAIL ''. I have gotten 14 pieces of mail from Ditech but no check. 

After telling me " THE CHECK IS IN THE MAIL '' I received a notice that {$140.00} was deposited into my savings account. It was another lie, the money is not in my savings account and when I call them they have no answers. 
Mortgage companies need to me held accountable and should not be allowed to operate like this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Debt collection (Auto) with BANK OF THE WEST (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later. 

XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Struggling to pay mortgage

Complaint: We have been working dilgently with Ocwen Loan Servicing and tbey have been telling us, meaning my husband and I. They are not receiving our paperwork, we have been filling out paperwork for the last 5 months, trying to avoid foreclosure. However, they have been lying about receiving payments abd paperwork. We are frustrated and have called tbe VA worker in XXXX, her name is XXXX XXXX, which she did seem concerned, she stated we must do what we need to do, and I asked what that was, she replied fill tbe paperwork out no matter what, XXXX XXXX did not seem like it was urgent, nor did Ocwen Loan Servicing because they are not concerned with our social security numbers along with our private information. My husband is a XXXX veteran, and we have fallen short in trying to pay rent and a mortage, which is why we tried to do a deed in lieu. We have been unsuccessful trying to get this issue taken care of, and seeking help. We have been frustrated, and losted for help. We are good paying citzens, and fell into a rut. However, we are seeking help because we need help and the company is failing us.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
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: Citi Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

Citi has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by Citi. 

I will be uploading my XXXX  report clearly showing these negative inaccuracies. I believe that CITI is violating the FCRA and FACTA. 

I called XXXX  XX/XX/XXXX to dispute this information, so I know that Citi got my dispute and XXXX provided a report showing that the information came back as verified ( which is clearly inaccurate )

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 02-12-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Sent Certified Letter and no response from Portfolio Recovery. I have disputed this thru all three credit bureaus and they report the information is accurate. I have demanded that they send me documentation bearing my signature with a contract with Portfolio Recovery on two accounts they have.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: Background : In 2012 I received XXXX, from Chase, in the amounts of {$2900.00} and {$4600.00}. I claimed the amounts on my taxes as income. The XXXX says the " lender has discharged ( cancelled or forgiven ) a debt you owed ''. Chase continues to report the account : * as having a balance of {$5900.00} and {$3900.00} Problems : 1. The balances are inconsistent with the amounts on the XXXX 2. It is painting a picture that the debt is still owed. I have paid taxes on it and Chase has claimed it as a write off for tax benefits. 
3. As a result, I have had to pay increased interest charges. 
4. I have been turned down for credit as a result of this reporting. 
If I received a tax form indicating that the amount was " cancelled '', I paid taxes on the amount, and Chase received a write off for it, it is unfair that it is not reporting a {$0.00} balance. If I paid off the account, then I would be paying more than what was owed because I paid the amount, plus the income taxes on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX/ XX/XX/XXXXYour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XX/XX/XXXX XX/XX/XXXXI have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient Solutions Inc. XXXX {$15.00}, XXXXXXXXI am disputing the validity of this debt for unfair and deceptive practices. Navient Solutions, formerly XXXX XXXX, has not provided an accounting of interest paid, the loan interest rate, or account statements that detail the payment allocation and/or payment methodology at any time during this loan. 

This loan originated in XXXX 2005 in the amount of $ XXXX. Other than XXXX forbearance period of less than 6 months, this loan was paid on time for more than 9 years with payments ranging from $ XXXX {$250.00} ; with 96 months of payments at {$240.00} the amount paid on the loan is in excess of $ XXXX, yet the current amount due according to Navient is more than $ XXXX, more than the amount initially borrowed. 

I can provide bank statements as proof of payment history as payments with automatically debited from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with ONLINE Information Services, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a call at my job from ONLINE Informaional Services, the representative name was XXXX at XXXX. She stated the MM, she properly identified me. I asked for the Validation of the debt to be sent to me, she refused. Also asked for a payment plan, she refused. Instead she mentioned my credit report ask about my line of credit? XXXX, threathen me by saying that she was going to report info to my credit report, if it is not paid by the XXXX of the month. I pointed out that she must send me a letter of Validation because that will be an FDCPA violation. She continued to collect and got frustrated, she then hung up on me saying that i was playing around?

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 : I sent a payment of {$5000.00} to SLS, with clear instructions to apply {$1500.00} to my monthly payment and {$3400.00} to principal. 
XXXX XXXX, 2016 : I checked my account transaction history via SLS website saw that the amount {$3400.00} had been applied to next month 's payment and principal. 
XXXX XXXX, 2016 : I called SLS to inquire about the misapplication of the additional money sent. I neglected to get the name and ID number of the agent I spoke with. I asked why my funds were not applied as instructed. The agent 's response was that she did not know, but that she would open a ticket to have the money reapplied correctly that day. During this call, I also made XXXX phone payments in the amounts of {$23000.00} and {$23000.00}. I gave instructions for these payments to be applied towards principal. The agent informed me that the transactions would be completed this day and gave me the following ticket numbers : XXXX and XXXX. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I learned that the amount of {$3400.00} still had not been reapplied correctly and the amounts of {$23000.00} and {$23000.00} were placed in an " unapplied/suspended '' account. I called SLS and spoke with XXXX ( worker ID # XXXX ) ). XXXX said he did not know why the funds had not been applied correctly and that the tickets opened the previous day were still open with this day being the target completion date. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I saw that the funds of {$23000.00} and {$23000.00} had been applied toward principal. However, the amount of {$3400.00} was still applied to future payments and interest.

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 05/27/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them.     I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong.   It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably  XXXX ,  XXXX  dollars on this loan but only  XXXX  have come off of the note.     Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted.     The date of this call is  XXXX   XXXX   2017 .

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 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS UNLIMITED OF TEXAS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several notices in the mail at my home for a debt belonging to a person by the name of XXXX XXXX XXXX. I contacted the debt collection agency on several occasions as I receive these notifications every six months. The name of the agency is Collections Unlimited TX Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX TX XXXX phone number XXXX. Each time I receive the notice I contact the agency inform them that I 'm not the person they are looking for and I have never lived at the address which is associated with the debt they are trying to collect which is XXXX XXXX XXXX XXXX. each time I contact the agency they say that my address will be removed and I will not receive any additional correspondence from their office and again six months later I am following up with them to try to resolve the issue this has gone on for the last 3 years. I think I have been extremely tolerant up to this point and now it is getting a little annoying, any assistance you could provide would be helpful.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/17 I discovered Enhanced Recovery Corp had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (IL).
Issue: Can't stop withdrawals from your bank account

Complaint: I agreed to a settlement on  XXXX   XXXX  and made the last payment (  XXXX  ) on  XXXX   (  posted  XXXX  ). This should have closed my account. The next day, they debited me again for  XXXX  and did not respond to my message about this. I disputed with my bank, but I want these people out of my account now that I have fulfilled the settlement.

Company response to consumer: Closed with explanation