milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a debit from Southern Management, I called and spoke to them stating I never gave permission to use my financial information to be used for this debit and to please stop calling my cell number. They are rude on the phone when trying to explain to them and they will not stop calling me. I have already disputed this on my credit report and it has been removed by XXXX. I have also filed a complaint with XXXX as well. These folks need to know that they just can not harass people in this manner. Thank you

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  's client  XXXX   XXXX  is an identity theft victim. Several fraudulent applications for credit cards were submitted to various credit providers with his information without his consent. We have attempted to dispute the fraudulent inquiries from his credit report however  XXXX  has proven difficult and is currently in violation of federal consumer law and his rights.  Capital One  has been notified twice in writing of the fraudulent application and inquiry made into  XXXX   XXXX  's credit however Capital One is now advising they will not remove the inquiry even though a police report naming Capital One was provided to them. In addition  Capital One  has sent information to our client explaining to they searched their records for an account number and found no such information, when our dispute criteria clearly listed we were disputing an inquiry not an account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ 1 monthly payment. The name that is reporting late is 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 non-monetary relief
Consumer complaint received 10/22/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: This is an ongoing situation that I have with Bayview Loan Servicing LLC.. They have not fixed or credited my account for any of their errors. They have sent me a point of contact letter from a XXXX XXXX XXXX ( document attached ) and in that letter it has options and offers available. I have responded to her in a letter ( attached ) to send me any and all available assistance asap. I have also attached a statement I received abouit a week ago from Bayview ( XXXX statement I 've ever received from them ). On this statement towards the bottom of the first page on the right the show recent account history. On that it shows no payment received for XXXX and XXXX of XXXX. Not true, I sent money orders for those months in the amount of XXXX and XXXX. On a ledger sent to me by their attorney XXXX XXXX he shows the money orders however he shows receiving them both in XXXX. So, their inconsistency in accounting is VERY AGGRAVATING, and negatively impacts me monetarily and every other way.. I am also attaching a document of mine from XXXX XXXX XXXX for my XXXX tax records. In the middle of the form it has a paragraph stating " Bayview Loan Servicing LLC has requested the original tax bill with the intentions of paying it on my behalf ... .I HAVE NEVER GIVEN BAYVIEW PERMISSION TO DO ANYTHING on my behalf ... IS this even allowed. I do not want Bayview Loan Servicing to be able to get my records without my permission ... .Also, I would like an explanation of why Bayview XXXX telling you and other agencies and myself that they have owned my loan since XXXX. I made monthly payments to XXXX Mortgage for 7 years and got a transfer letter from Bayview in XXXX XXXX ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the Credit Reporting Agency Transunion refuses to update my bankruptcy status from showing " Filing '' to a " Discharged. '' Once a bankruptcy has been successfully completed the credit report is suppose to reflect the change. So, on several occasions, I disputed my credit report on the comany 's website, via snail mail and over the telephone regarding the completion of my bankruptcy. I provided proof that the bankruptcy was discharged/completed and even instructed the company where there investigators should specifically look, when he/she/they go into the bankruptcy XXXX system to verify the completion of my case. Yet the company is the only credit reporting agency that is not satisfied with the correspondence that which I provided them. I do not understand what the problem is and at this point I believe that I am being discriminated against and my consumer protection and Civil Rights are obviously being violated. I have also been turned down from a Civil Service job opportunity because of the open/active/filing status of my bankruptcy case with this credit reporting agency. Should you need evidence of my lost job opportunity, I am willing to support this claim. This company is also interfering with my future plans of purchasing a home due to their refusal of changing my bankruptcy status. In addition, according the the benefits of what a discharged bankruptcy is suppose to provide debtors, this company is preventing me from receiving a " fresh start '' in my life. Please help me as I am exhausted, stressed and disgusted with the unprofessional, unethical. undue hardship, and discriminating behavior that the company has imposed upon me and my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A supposed debt collection agency out of XXXX named Midland Credit called me and stated that I owed some {$610.00} from an account that was closed in over three years ago in 2014. I was skeptical since I could barely understand those speaking to me. They did have some information about me and the account correct, but there have been so many breaches and hacks lately that I figured this was a scam. 
I am concerned because I checked my credit report and see that Midland Credit has been able to place a derogatory statement against my credit on XXXX and XXXX. I am having a hard time trusting these credit reporting agencies, also, due to recent breaches. 
Is Midland Credit bonafide? Since the debt was settled over three years ago, what do I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: SPS ombudsman is refusing to give us a modification again after give us one!!!! XXXX is holder of our note and after govt fine they will still not help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: After sending several certified letters that have been ignored by the credit bureau. I have send letters of disputed alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST {$1000.00} + PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION LEGALLY A CONSUMER COMPLIANT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM for the following late 1.XXXX XXXX-several late/missed payments 2XXXX XXXX-several late/missed payments

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 01/13/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: THIS CONTAINS TO MORE THEN ONE COMPLAINT, BALANCE ON THE LOAN. SHOULD THIS COMPANY PROVIDE A RETURN LETTER TO SUBMIT PAYMENTS, I DO NOT DO ONLINE BANKING, MY ELECTRIC AND GAS COMPANIES FORWARD A LRETURN LETTER TO REMIT PAYMENT WHY CA N'T NAVIENT. ALSO THE INTEREST STATEMENT FOR TAXES, SOMETIMES IS HESITANT. BASICALLY OVERALL I DO NOT KNOW HOW I GOT MIXED UP WITH THIS COMPANY IN THE FIRST PLACE. CRAZY THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unknown debt, not licensed to collect debt in my states.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Problems caused by my funds being low

Complaint: My bank charged me a {$7.00} OD fee even though I had the money transferred in right away to cover it. I have XXXX direct deposits going into my acct each month for a total of XXXX. Really, an od fee for a great customer who has been with your bank for probably over XXXX years!! I talked to customer service reps who would n't remove the fee. I then called the bank in my area and they removed the fee, but told me if I did n't have a balance on my equity line I would get charged again if it happened again. Why would a bank take XXXX minutes to tell me there was nothing they could do and then I call the branch and he removed the fee. It is principal with me -- if you are a great customer and a long time customer why would you want to make them unhappy? Does n't anyone care any more about good customers???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage bought my mortgage from XXXX Mortgage in the XX/XX/2014. An error was made in the handover. Nationstar began writing, texting, calling, and emailing me about only making a partial payment. No matter how hard I tried, Nationstar insisted I pay the remaining balance. They even said they conducted an internal investigation and determined positively I had only made a partial payment. Finally they said they were sending a letter to the credit companies as I was in arrears. At that point I contacted XXXX Mortgage and explained my problem. They assured me I was on time with all of their payments to them and they would contact Nationstar. A short time later a man purporting to be a Nationstar Vice President called and apologized for their error and harassment. I told him I was concerned about my credit score. He assured me no notice had been or would be sent to the credit companies. I recently was turned down for a XXXX XXXX credit card because of my credit. I downloaded a XXXX credit report. It contained a negative report from Nationstar saying I had been 30 days late with a payment. I contacted Nationstar. They sent in a correction. I am appalled they can adversely affect my credit irresponsibly and I can not get the XXXX XXXX credit card. Can any action be taken against Nationstar, for example a fine or adverse report on their record? My Nationstar loan number was XXXX. I have since sold the property and paid off the mortgage. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone is XXXX.

Company response to consumer: Closed
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive at least 5 calls from this company every day. They leave a message to call them back and in a few hours, they call again. They call constantly - mornings, afternoons, evenings and weekends. This is the national collections departments. I also receive daily calls from the local collections department on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Payday loan () with Chek Cash, Inc. (TX).
Issue: Can't contact lender

Complaint: The choice I made for the best description is not valid. I wasnt able to choose anything else. XXXX My complaint is that I spoke to XXXX on XXXX/XXXX/2016 about XXXX I advised XXXX that I had a plumbing issue and I was not able to make payment until XXXX/XXXX/2016. A XXXX representative was advised of my arrangements and spoke to me on a valid number that is listed to my account nevertheless loan express called a reference and/ or skipped traced on my account after speaking with me. THIS IS HARRASSMENT! I have proof that my best friend was contacted by XXXX with the phone number XXXX on her cell number XXXX in attempts to verify location info. There were several calls back to back on XXXX/XXXX/2016. I have proof of these unlawful calls as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Medical) with Louisiana Recovery Services Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid Louisiana Recovery Services on XXXX XXXX in the amount of {$260.00}. This was for a medical account for XXXX XXXX. I asked for a letter confirming that the account had been paid and was told I would receive one. I have yet to receive this letter. 
I was also told to fill out the credit card authorization form and authorize {$11.00} and that would expediate and they would remove the account from all XXXX of my credit reports. I faxed in the form, called and verified it had been received. It had been received as of XXXX XXXX. I disputed the account on all XXXX credit reports as being paid. 
On XXXX, LRS did not remove the account and updated it, still saying it had not been paid. 
I called most recently in XXXX, at least 3 to 4 times. The last time, the representative lied to me telling my wife who was calling on my behalf that he had just spoken to me. Which was a lie, because I was in meetings in work all day and had not called them at all. 
As of XXXX XXXX, this account is still listed on all XXXX of my reports as unpaid. This is adversely affecting me and my ability to qualify for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Billco, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named XXXX has accused me of owing {$210.00} for a product I return within 60 days, which a customer service representative told me I could if I was not 100 % satisfied. They said I ordered it on XX/XX/2016 and I returned it on XX/XX/2016. However, they threatened to report it to the credit bureaus. 























































XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Late fee

Complaint: I noticed on my statement that I had been assessed a late payment fee. I had paid the payment on the XXXX of XXXX ( the due date ). I called the company to resolve the matter and was told that if I had not paid the payment by XXXX it would be considered late. I also was notified on the phone call that I had been late 30 days twice on this account but they could not tell me when. Specifically asked me to go back through my statements. I got this CC at a time when I was really attempting to get my credit better. I really do n't think I have been 30 days late on any credit card since 2010. I sometimes make XXXX payments a month on this card ( Barclays Card ) I just think it is reprehensible that a bank can charge a late fee because you paid the payment on the agreed payment date but just not the correct time. I think I also noticed my APR increased as well. Plus I have over XXXX XXXX points and I have not received my XXXX rewards cards ( I 'm entitled to XXXX as XXXX XXXX card ).

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 monetary relief
Consumer complaint received 03/20/2017 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Billing disputes

Complaint: I have a card issued by amazon through chase XXXX. 
Amazon had a breach in XX/XX/2016 and my account was included. about XXXX orders were issued at the same time and I instantly called amazon to tell them to stop it since i did not order anything. 
I was told by customer service that those orders will not come to me. 
Although some kept showing shipped, there is no shipping confirmation. The 3 orders that came here were returned. 
Three boxes were left outside my door and I tried everything to have them picked by amazon to no avail. I do not need these. 
I have attached some of the email exchanges since the old account was closed and a new card issued. 
After 4 months of trying to have the XXXX removed, chase came out with the conclusion that these orders are valid and I must pay back the amount. They are charging interest and this is getting out of hands. 
I file this complaint to have this issue resolved since neither amazon nor chase is willing to clear the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: In XXXX, I presented a {$2500.00} check to my bank branch for cashing purposes. I did not know the check writer well, it was a web generated check, and I had questions about the authenticity of the check. I asked the teller if the check looked alright. She promptly responded that it was ok and that all the funds would be released the following morning. Two weeks later, my account was charged back the {$2500.00} due to NSF in the issuing bank. I soon found out that the check writer had a record for issuing bad checks. She did not respond to requests to meet and return the money to me. The branch manager was not very helpful, but finally agreed to issue a statement that confimed that it was a fraudulent check. He also admitted that the teller should not have stated that the check was alright. I filed a police report, and they were surprised that the bank did not look more carefully at the check, as it looked suspicious to them. I filed a formal complaint ( received a complaint number ) with the bank fraud department, and was told i would receive a call back within 48 hours. No response from them. I called a week later and repeated the request, and was told again that I would receive a call back in 24 hours. I did not receive a response. I called a third time, and was told that my case was given to a different department, and I would receive a call back in 48 hours. I did not receive a call back. I finally filed another complaint with the main office of the bank. I was told there was nothing that could be done, since the bank policy did not guarantee that a check would be honored if there were insufficient funds. I am complaining that 1 ) the branch office mishandled the cashing of a fraudulent check, and all funds were released in a very short time period 2 ) the branch manager was uncooperative despite admitting the check was fraudulent, and the teller should not have indicated that the check was alright 3 ) Repeated lack of response to formal complaint. I am requesting that the {$2500.00} be restored to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First Recovery assoc keep calling with a different claim number every time they call with an XXXX number to call back they wont give me any information and ask to verify my last XXXX digits of my SS Its not me and I ca n't get them to stop calling

Company response to consumer: Untimely response