milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Debt collection (Auto) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: First call was on Saturday XXXX XXXX They continued to call the following times on Saturday : XXXX XXXX XXXX ; XXXX Monday they called the first time at XXXX XXXX I spoke to them and explained I had thought they would make another EFT attempt as this is my first time with an issue in over a year and half of making EFT payments. I asked how to handle this and pay. They explained if I sent a check I would avoid an additional charge of {$15.00}. I asked them to send me an email with mailing information as I have always paid directly through my bank. They said they would. They then called the same day at the following times : XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; I called them on XXXX/XXXX/16 to make payment over the phone so they would stop calling me. I had still not received email with mailing address. They then called again at the following times : XXXX XXXX. ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; I checked my bank account and the payment had cleared my bank. I continued to get calls starting today @ XXXX XXXX. ; XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: To freeze credit we are required to file a request with the 3 major companies. XXXX accepted my request. XXXX  accepted my request. Several attempts with Equifax on line and on the phone have been aborted by someone other than me after I have submitted information including SS #. The interaction is accepted for maybe two minutes and in the middle of the transaction I get message on the phone or on line saying " sorry we can not handle this transaction. '' I want Equifax to freeze my credit. I want them to recommend the safest way for me to accomplish this. If it is by mail then I need to hear that they are on top of things by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: MCM DID IT AGAIN! VIOLATING ALL ACT 'S ... .... 

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX, PETETION XXXX AND A AUTO-MATIC STAY WAS IN EFFECT ONXX/XX/XXXX MCM PULLED MY CREDIT ON XXXX AND XXXX. ( SEE attached ) INVASION OF PRIVACY, CONTEMPT OF COURT ORDER STAY TO CEASE ANY AND ALL ACTIVITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: I appreciate partial Lien release received XXXX 2015 - I am requesting full release to be filed in county recorders. I sent letter XXXX XXXX, 2015 - acknowledgement of letter has not been received. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CaliforniaZip Code XXXXRe : XXXX XXXX, vs. Ally Financial and General Motors Auto Credit, et al., Dear XXXX XXXX, XXXX. : Responding to your letter of XXXX XXXX, 2015, your are aware that any action against the property of a debtor, who has initiated proceedings under any chapter of the United States Bankruptcy Code, especially actions which affect any interest the debtor has or may have in that property, are void regardless of actual notice of the Bankruptcy proceedings by the creditor. The XXXX Chevrolet Corvette in question, is listed as an asset in my Bankruptcy proceedings and the loan pertaining to its purchase and the judgment obtain for its possession are listed as liabilities on my Bankruptcy Schedules of Assets and Debts, and all relevant parties received actual notice of the pendency of the proceedings. 

There is now pending a request to reopen my Chapter XXXX Bankruptcy proceedings to address your clients knowing and willful violation of the provisions of the automatic stay of the Bankruptcy Code. I demand that the vehicle in question be immediately remitted to my possession on or before XXXX XXXX, 2015. If not I will consult legal counsel regarding the appropriate action to be taken to compel the turnover of this property of my estate or for such damages as I may be entitled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize nor did I authorize the following inquiries to be made : Cap One XX/XX/XXXX Cap One XX/XX/XXXX Cap One XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed an alleged account that Midland Credit Management , Inc ( MCM ) is reporting in my credit file. On XXXX/XXXX/2016, MCM sent a letter where the state that they were opening an investigation regarding my dispute. On XXXX/XXXX/2016, MCM sent a second letter requesting my assistance to verify the accuracy of the credit information being reported. MCM has not provided to me any account-level documentation, such as, a signed contract, purchase and payment history, computation of fees, interest, etc..On XXXX/XXXX/2016, MCM updated/verified the accuracy of the information to XXXX but did not submit any account-level documentation to support the accuracy of the information disputed in clear violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I checked my credit report with Experian website. I found on my report a tax lien with state of Georgia with ref # XXXX ... dated XX/XX/XXXX an amount of {$930.00}. likewise XXXX and XXXX  who finally removed them from my record after recognizing their error, and I also found this one as well to be an error on my credit report and attached screenshot of state of Georgia tax lien list and after getting in touch with them they clearly indicated that am not on the list and an attachment proved that.
I also found 3 an unauthorized hard inquiries which I never inquired or applied anything from them. They are as follows : 1. XXXX XXXX XXXX dated XX/XX/XXXX. 2.XXXX XXXX  dated XX/XX/XXXX. 3. XXXXXXXX XXXX dated XX/XX/XXXX. Again this is an error on my report and they needed to come out as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX separate accounts from the same creditor listed, except that XXXX of them could not possibly be mine because it was opened in on a date when I was still a child and has a completely different account number to the correct XXXX, which strangely enough at the time which the valid one was opened, card received and all, after about a month, I received a call that said that I was mistakenly approved and the account was closed by the credit card company. The same applies for the inaccurate XXXX from 1999 with a completely separate account number, balance, and credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other

Complaint: I have a credit card account with Capital One and they are not Reporting my payment of {$470.00} on my account there showing I owe {$430.00} but It should show I have a XXXX Balance on Credit Card Account. 

By not showing my payment they are effecting my Credit Score And I am not able to apply for things I need on Credit. I want You to force Capital to reflex my payment and to Close my Account showing I paid in Full. 

I know longer want to do business with such a Despicable company. 
Capital One is Dishonest and they hurt their Customer Credit Scores. 

Waiting to hear from you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: They hacked my account and I stole more than {$10000.00} from my Wells Fargo account. 
XXXX. I close my account. Also other companies transfered me to debt collecters. XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I downloaded an XXXX app called XXXX and my Chase bank is supposed to send the information that the apps company needs ASAP. However the bank is slacking which I know is considered misbehaving..

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late payments, but has failed to accurately report those late payments. I told XXXX that the account is in accurate and does not list a date of removal. XXXX stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my XXXX credit report. XXXX fails to remove it for violation of accurate reporting. I would also like Equifax to remove this account as well because the same is happening with them too.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I call on XX/XX/XXXX and discussed over the phone why my XXXX Student Loans were removed. The customer service rep in conjunction with the Management team explained that it's an " internal company policy '' to remove Students Loans when they are " paid off ''. I explained to them that my XXXX   report is ONLY showing " Paid Off in Full '' due to XXXX. I also ask them to provide a letter stating what the " internal company policy '' is and they denied. Now, my Experian credit report in not only -77 points but also its not showing in my Experian Report History ( I had been paying my Student Loans since XX/XX/XXXX ) and this is affecting my credit report in many ways. 
Here is the report number with the notifications showing that my XXXX Student Loan has removed. 
Prepared for XXXX XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage has been giving me the past 1 year. I have applied for loan modifications under the government and by purposefully miscalculating income. most recent request for modification was also the denied and refusing to share the data for calculations. In the past, I know from experience, they have miscalculated and grossly reduced my income so I would not qualify for any modification program. Now they are completely refusing to share the data which I have right to get. Without knowing how they came up to this decision, they are practically dishonestly leaving me completely handicapped unable to file an appeal.

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 03-11-2017 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: the creditor has contacted and spoke to us 4 times in one day and threaten us each and every time they call and talk to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I would like my loans verified and I am are concerned about the recent allegations against Navient. I would like them to be removed from your report if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX my lease account with XXXX XXXX in Puerto Rico was paid in full. On XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments onXX/XX/XXXXand XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX  with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with XXXX XXXX  was performed today,XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XXXX, but no correction was made.

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 12/24/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX reported {XXXX} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XX/XX/XXXXby XXXX XXXX XXXX ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX XXXX  appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XX/XX/XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XX/XX/XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: on XXXX I mailed a certified dispute letter to XXXX XXXX., on XXXX they received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Reference Complaint # XXXX. 

XXXX has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

XXXX is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (PR).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my house with XXXX ( XX/XX/XXXX ) who sold the loan to XXXX. XXXX added {$7000.00} to escrow ( XX/XX/XXXX ) with the excuse of taxes. In the midst of adding this fee and raising my FHA loan payment, they sold to LoanCare on XX/XX/XXXX. I never signed a paper or got any documents besides a new address for payments. I started paying LoanCare my original house payment. LoanCare has not credited payments to the account and has put me in default. I received some of these money orders back through mail. They are mutilated and have filed a refund investigation with the US Postal Service. All the while, these people never pick up the phone and I have never received any other communication rather than a bill. Why pay by mail? They charge {$19.00} to pay online and {$15.00} if you do by phone. I never asked to be transferred to this company. They have my address all wrong and I do n't always get my mail. Sometimes they do send it right, some other times they miss the street number and house number. Thus this has resulted in receiving old mail from them three months later. I have paid my mortgage and they refuse to receive my payments. The whole thing is a nightmare. They even want to impose their insurance policy which is XXXX times higher than my insurance policy. I had to provide paperwork three times before they stopped sending me letters. As of right now, all I want is for them to accept my payments, clear their mess and end this mental angst. I worked so hard to put a roof under my children and these people have turned our dream into a nightmare. These kind of companies, like LoanCare and XXXX, need to end their fraudulent practices. Inventing taxes out of nowhere, charging excessively and damaging people 's credit.

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 01/23/2018 about Debt collection (Mortgage debt) with Ditech Financial LLC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed for bankruptcy in 2012. What I owed Ditech was discharged. Now they state I still owe them {$8000.00}. The account shows discharged on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting called and the person they are looking for is not me. But they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, XXXX at XXXX XXXX, I received A phone call on my cellular phone from a local number that said XXXX, it was area code XXXX. When I answered the phone, a debt collector from a company called dynamic recovery solutions was on the line. They said their phone number was actually XXXX or XXXX. The person was named XXXX XXXX. She said her companys headquarters is in XXXX, South Carolina. 

This company engaged in Call Spoofing which is ILLEGAL by federal law. Please review the attached picture for reference to federal law. I am requesting that dynamic recovery solutions ceased and desist all communications with me, and that they are FINED to the fullest extent of the law. Thank you and have a great day. XXXX bless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My Name is XXXX XXXX. 
I purchased our home in 2015. Plaza Mortgage is our mortgage company. We closed in XXXX. I have experienced a loss of income at my job on the radio. And it was reduced by half. I contacted the mortgage company, and they took my information. I did n't hear from them for Months ; meanwhile, I was delinquent on my mortgage. They send me a modification requesting payments that are HIGHER than what my original payment is. 
I sought out an expert, and he assisted in submitting documentation. The bank insists that they have n't received documentation however we have proof they do. Since then we have found out the foundation of the property is crumbling and have communicated this to the bank. They requested additional information for my non-borrower contributing to the property, and when we call in for the status, they refuse to speak to any of us. 
Also we received letters from their attorney with a motion proceed with the forclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation