milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Okay '' over seven yrs ago '' XXXX I had purchased a tv from XXXX 's store okay I had the tv almost paid off when something went wrong with it, and it was taken back to XXXX 's by them they picked it up, and I had to do some paperwork so they could credit my account what I already paid on tv. They said they would replace it and just keep making my last few payments and the new one will be mine so I did, well when went to make my last pymt, they said I just started my pymts and said there was no record of them crediting my account so I told them I was n't paying for it twice. Then they came and took the tv.a couple months later I get a letter from XXXX 'S saying I was behind and neededto pay them XXXX for XXXX t.v. and like XXXX for the XXXX one. I explained it and they did n't care, so I told them I 'm definitely not paying them so they sold the debt to NATIONAL CREDIT ADJUSTORS, and i waited eight yrs for it to come off my credit. Finally it did in XX/XX/XXXX. Now I 'm older so wan na buy a house I ordered my credit report and there it was again after yrs of being off my report. Only now it 's reporting that I opened the account in XX/XX/XXXX. It 's affecting my credit score big time and I never did anything wrong at all. I told national credit ADJUSTORS the story, and told them I would like to see my disclosure from them and got hung up on. PLEASE HELP ME I CA N'T WAIT ANOTHER EIGHT YEARS and not paying for something they took and was already over paid for

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On  XXXX   XXXX ,  2017 , my credit application  ( Reference nu mber :  XXXX  ) was unreasonably delayed in violation of the following laws :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I became aware that XXXX XXXX XXXX reported an alleged debt of {$1200.00} from an alleged creditor XXXX. I have no knowlwedge or any contract and communication with XXXX XXXX, XXXX about this alleged 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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with XXXX XXXX XXXX, in XX/XX/XXXX the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to XXXX causing additional fees. XXXX received the payment in XX/XX/XXXX.When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account. For several months a tried to get this resolved, I was told by several customer service reps that XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau. XXXX poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late, XXXX being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance startingXX/XX/XXXX toXX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/XXXXthru XX/XX/XXXX. XXXX XXXX  can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.

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 09/16/2017 about Debt collection (Auto debt) with American Finance LLC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted Transunion to remove an item from my credit report it was stated it was removed and then added on withut a 5 day notice which is not legal. It was also in my report as date opened on XX/XX/XXXX but the close date of the account was XX/XX/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 12-03-2017 about Mortgage (VA mortgage) with Paramount GR Holdings, LLC (WA).
Issue: Trouble during payment process

Complaint: Regarding my XXXX XXXX loan # XXXX On XX/X/17, the first loan payment was made to Paramount for {$1000.00}. When XXXX bought the loan from Paramount, Paramount failed to transfer the extra payment portion to XXXX which was {$250.00} of the {$1000.00} payment. 

Paramount held the extra portion so it did not go to the principal of the first payment to XXXX. Is there anything that can be done to correct the loss of principal payment that should reflect on the principal balance. It appears {$250.00} is missing from the payment from Paramount to XXXX. 

Regards, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I have refinanced a second mortgage through XXXX, XXXX XXXX, XXXX XXXX XXXX My previous holder was NationStar at 11.5 %. This asset transfer was completed around XXXX/XXXX/16. NationStar, XXXX XXXX, confirmed with me yesterday, XXXX/XXXX/16, that they have received payment in full and would send me confirmation. I received an email from XXXX, ( That had a no reply hold of email reply ) that there was a balance of around {$270.00}, after she confirmed the balance was confirmed as paid in FULL. I am in the process of other refi 's that can not continue until we have confirmation of this loan payoff. I was very upset that NationStar did provide documents that this loan with them was paid off as per XXXX. When I spoke to XXXX today, XXXX/XXXX/16, as I was upset, she hung up on me. All I want is to have NationStar agree in writing that my loan with them is paid in full. It is very simple. They have their money. Please send confirmation. XXXX email has a no response lock on her email. They are worse than XXXX. 
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 08/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX of 2017 an interior appraisal was completed by Bank of America. The market value for his property was set at {$470000.00}. we dispute the value for the following reasons : 1. Value was completed as a 2 family dwelling and this property is a 1.5 family dwelling as per the XXXX XXXX XXXX XXXX 2. The comparables used for the appraisal were properties fully renovated and the subject property presents major issues 3. property has MOLD 4. Property has a distressed foundation 5. Water damage 6. electrical and plumbing systems are outdated

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 09-12-2015 about Consumer Loan (Vehicle lease) with DriveTime (AZ).
Issue: Problems when you are unable to pay

Complaint: I believe I was initially overcharged for my vehicle, it has since been repossessed because I lost my job & could no longer afford the payments.. The vehicle in question is a XXXX ... At the time I signed the contract on the vehicle I was desperate & really needed transportation for work, school & to take my kids to & from school ... I really believe the cost of the vehicle was over priced at {$8000.00} with interest the total came to {$12000.00} approximately.. The value of this car at that time I bought it was no more than {$1300.00}, current value approximately {$1000.00} Since the vehicle has been repossessed I have attempted to reach out to Drive Time multiple times with no success to discuss this matter. I just continue to get transferred around & told no one can help me or I 'm directed to call someone else.. I recently received I letter stating the vehicle was sold and I owe {$9700.00} for a vehicle that is only worth {$1000.00} per XXXX XXXX ... At {$160.00} biweekly payments I made for 7 months approximate cost out of my pocket {$2300.00}. I really feel this company has inflated the cost of the vehicle and are attempting to get XXXX times the amount for this vehicle from me & also from whoever they sold the vehicle to. I really feel I have been taken advantage of me as consumer ... I feel that without help from someone they will not sit down to discuss fair compensation I should pay for this vehicle, now that its no longer in my possession.. Can you please assist me with resolving this matter..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for Equifax to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from Equifax with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and Equifax could not have verified this information with them. 
Equifax continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.

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 10/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX Bank XXXX XXXX XXXX filed suit against me I have been sending letters registered mail with return receipts for them to validate the XXXX & XXXX proof of claim that they say I owe with no response.They set the sale date for XXXX XXXX and next week XXXX XXXX a hearing is set with the court to grant the bank writ of XXXX.They have been ignoring every letter sent with no response. The total amount they say owed is $ XXXX.The Loan Servicing Company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (I do not know) with Weinman Acquisition Group (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been receiving calls from a local number, XXXX and it is an automated number stating that this message is for me and that this is XXXX XXXX and she is a processor and that she tried to serve me sealed documents at my home yesterday. She stated in the voicemail that this her 3rd time trying to do so. She states that she will be checking my other known locations trying to find me. She states that if I do not accept these she will have to inform the filing party and to contact her at XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: * Letter and documentation attached to explain it all and most of the choices above did not match my case, but had to pick something. 
* Sent to collections for a charge i should not pay to replace carpeting in an apartment. Most stains from previous tenant and carpet would naturally get worse as we lived there. Carpet also near the end of its useful life ( 1 year left ) and old, already worn down. 
* Tried to work with Property Mgmt. company and showed them picture of large stains coming up 4 weeks after we moved in. 
* Trying to charge me over {$700.00} to replace. 
* Collection agency never validated debt I disputed ( within a few days of collecting bill ) and never responded. 
* Continue to harass and call me, threatening type verbiage, and violating the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing disputes

Complaint: I opened a U.S. airways credit card about a year and a half ago. 

1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it. 

2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance. 

3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed. 

4. I receive my card in the mail in the mail and decide not to use it because of the poor experience. 

5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege. 

6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report. 

7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into. 

8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience. 

9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it. 
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score. 

11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with Delta Outsource Group, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received XXXX calls in succession from Delta Outsource Group on my personal cell number, and my office number, I informed the caller to remove XXXX numbers form their call list and to submit all requests to me in writing on XXXX. 

The calls have continued on a daily basis, I have reminded the caller not to dial my numbers. 

on XXXX Delta Outsource Group began ringing both lines simultaneously. I finally blocked their number ) on my cell number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I received a letter from Equitable Acceptance Corp. Saying they could reduce my student loan debt. They made me believe they were taking over my loans but I instead they are not providing the service that they portrayed. They are charging me to manage my account, which is what I have been doing. They will not let me out of the contract which is for 48 months unless I pay 40 % of their service fee.

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