milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I spoke with representative on XXXX XXXX, XXXX regarding a debt that showed up on my rental report. I requested a letter of deletion as this debt is invalid. Representative stated that company claims last months rent was reported as unpaid and additional fees were assessed, totaling the debt amount. Representative recommended sending in supporting documents such as bank statement showing receipt of rent payment. According to FDCPA, debt collectors are required to provide proof of debt, in which I have not received. I explained to the representative that I sent in a written dispute in XXXX XXXX, in which the judgement ( Docket # XXXX ), as well as collection, connected to the debt were permanently removed from all credit reports. Representative confirmed that account has been disputed online and via a third party agency, yet no debt validation has been received. Debt collectors are required to send a written debt validation letter within five days of the initial dispute, which in this case was XXXX XXXX. Given that the debt has not been validated, nor has it been proven that any debt is owed I am demanding that National Credit Systems permanently removes account # XXXX from rental report, and verify that no further collection efforts will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when XXXX attempts to sell me one of their monitoring products.

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 (Conventional home mortgage) with Specialized Loan Servicing LLC (HI).
Issue: Trouble during payment process

Complaint: SLS Account # XXXX My loan was recently transferred to SLS from XXXX as of XX/XX/XXXX When I received the notice ( received the date the note payment was due ) SLS said there was a payment past due, and the loan was one month in arrears. ( no sure notice came form XXXX previous to this ) I called and asked them what month, and at 1st she said XX/XX/XXXX .. I provided her with the Canceled check number for the XX/XX/XXXX payment, and her response was " well, I do n't know then, our records only go back to XX/XX/XXXX ; it must have been before that then '' I recently came out of a 5 year Chap XXXX BK which was satisfied and discharged in XX/XX/XXXX ; this would mean all payments were satisfied and the accounts current. 
I missed no payments during the 5 years nor since the discharge. SLS could care less and worse are unwilling to even review the case ... My payment is approx. {$3300.00} and I mailed my XX/XX/XXXX check for {$4000.00} requesting the additional to principle.. they cashed the check and their new XX/XX/XXXX statement said I am 2 months behind YIKES this is SCARY ... What are they doing with my money??. It is impossible to reach anyone there for a intelligent discussion. I requested 5 years of payment history from the previous servicer, XXXX and have this to send to SLS ... But, no idea where to send it ; How is it legal that there is no accounting and they can just say " you are behind but we have not idea when '' even though the courts and XXXX ageed the account was in full compliance? can someone call me please.

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 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I am filing a complaint against Alliance One for violating the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and I mailed certified letter requesting validation of debt owed on XXXX/XXXX/2015 to Alliance One Receivable Management Inc. I was unaware of the debt owed or which organization I owe the debt too until I checked my credit report. I informed Alliance One in writing that I was NOT requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. 
I asked Alliance One in writing to please provide a letter with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered AgentAlliance One Receivable Management Inc failed to validate the debt owed as I requested in writing, and this company responded with AllianceOne Receivable Management Inc generated bill statement of how much I owed. Under the Fair Credit Reporting Act, I have the right to ask for validation of debt. On XXXX/XXXX/15, my husband received XXXX County District Court XXXX XXXX XXXX court order garnishment letter against me filed by Alliance One Receivable Management Inc. Alliance One Receivable Management Inc. violated Fair Credit Reporting Act. I did not sign the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed the private and personal information of 143 million Americans, myself included, to be compromised and used for illegal purposes. Equifax has not offered acceptable response or solutions to this immense national problem that they have caused. The FTC has not help protect the affected consumers. The FTC has not mandated action by Equifax ; has not punished Equifax, and has not required Equifax to pay restitution to the 143 million Americans. The FTC is broken and does not protect Americans from this sort of corruption. 

If the FTC will not protect us from unscrupulous corrupt companies, like Equifax, who will?

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX contacted my phone on a Sat. XXXX, 2017 and a voice mail. I listened to the message. 20 minutes later I called my father in Hawaii, 6 hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On  XXXX   XXXX  we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address for Arizona I do not not have I ever lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with response from Experian response ; Bankruptcy has been verified with US BKPT CT TX XXXX ( The Bankruptcy Courts ), which is not true because The Bankruptcy Courts does not verify credit information. Experian will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 10/30/2015 about Credit card () with DISCOVER BANK (AZ).
Issue: Billing disputes

Complaint: RE : Complaint # XXXX. I received an email on XXXX/XXXX/15 stating my payment of {$48.00} has been posted to my account yet discover card continued charging my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX causing {$75.00} in overdraft fees plus a {$.00} transaction fee. No notice was received stating the payment due date had been changed from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am opening up a second complaint against Chase because they corrected an error with an error. I have called, faxed and sent, via, USPS my dispute with no resolution. Attached is the communication I sent Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to PNC Mortgage, an out of state company. In order to make my monthly payments, PNC requires that they receive my payment by the due date. However, because I do not have an account with PNC and can not get an account, they charge me a fee of {$7.00} for the privilege of paying them on line. I have tried using regular mail, but USPS is unreliable. Even with using Priority Mail, it has taken up to 9 days because USPS for some reason first sent the payment to the wrong state. As a result I incurred both a " late payment '' on my account and an {$87.00} late payment fee. It seems that there needs to be rules which regulate what banks can charge as fees. And if the bank does not have a local - walk in method for payment - they should make it possible to make online payments for free or very low cost. {$7.00} to pay your mortgage is too much. I think {$1.00} or something is the maximum which should be allowed. Over the life of a 30 year mortgage, a monthly {$7.00} fee adds up to thousands of dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This Attorney a nd Wells Fargo have  violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has  gone unanswered. I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to   cease and desist ALL collection activity until validation of the original note is provided.  <P/>  This law firm and Wells Fargo Bank are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd  request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/>   I have requested the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains.
3. Provide details how the alleged debt was calculated.
4    . Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt.
6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and Servicing Agreement to the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody but the Depositor ( Settler ) can transfer property to the trust.
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ).
8. Provide evidence that you are licensed to collect in my state.
9. Provide your license numbers and the Alleged Lender 's Registered Agent.

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 04-06-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: I enrolled in monthly minimum amount due recurring payments some time ago with my WalMart Credit card. Up until just recently, those payments were drafted correctly from my account. today XX/XX/2017 when I logged into my bank account I notice Walmart had taken over {$410.00} from my bank account which they were not authorized to do. my monthly minimum payments are {$25.00} which was the amount they were authorized to debit my bank account.

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 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX. THE CREDITOR WILL NOT UPDATE THE CREDIT REPORT TO REFLECT ACCOUNT TO BE INCLUDED IN A CHAPTER XXXX AND CONTINUES TO TRY AND COLLECT ON THE DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: 1. The bank has discriminated against me, in the handling of my account ; a XXXX veteran and minority. 
2. The bank has refused to provide account information, which they are required by law. 
3. The bank has completed illegal, unauthorized credit and/or consumer reporting investigations. 
4. The bank has refused to follow the guidelines regarding consumer card purchases and protection from unauthorized charges. 
5. The bank refuses to fulfill it 's legally required obligation of appropriately investigating and returning the funds from unauthorized card transactions. 
6. The bank has refused to provide the contact information for their legal department or compliance department for reporting account handling issues or service of legal process. 
7. The bank has taken retaliatory action against my consumer account, for accurately reporting account handling compliance complaints. 
8. The bank has refused access to my funds without explanation or reasonable notice. 
9. The bank has refused to accurately identify who is the actual banking entity ; there are seemingly three different banks, however, which bank is actually the custodian of the account is unclear. It appears as though a corporate, non-banking entity is conducting banking operations ; whether or not this subsidiary banking relationship is legally authorized is unable to be determined at this point, because the bank is refusing to provide the information necessary to actually identify the responsible banking authority. 
10. Overall, the bank has shown a pattern of unresponsiveness, lack of transparency, unethical business practices, and poor customer service ill-befitting an organization responsible for consumers ' deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked. My data was identified as potentially at risk.

Company response to consumer: Closed with explanation