milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX, experian and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on XXXX and experian for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date FiledXX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX 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 12/21/2015 about Debt collection (I do not know) with I.C. System, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We receive calls from this business for months. They do not leave any message, or reason for calling. Finally I called them by using caller ID. They are looking for someone I do not know, and they are a collection agency. 

I pay all my bills promptly, and do not deserve to be harassed for someone else 's debts. 

The collection industry is XXXX I have avoided for XXXX years. I do not want to hear from any of them ever. They are ruining my mornings. 

Why are they allowed to do that? The Do Not Call rules appear to give them permission. How come?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Auto) with Financial Assistance Inc (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I 've been paying off an auto loan off for a couple years now and the same woman is so entirely rude. Every time she sends me a letter or I talk to her in the phone she threatens me, cuts me off, talks rudely, uses a loud voice, and I always end up tearing up after I hang up because she scares me. She has no common courtesy toward someone who is working to pay off a debt and she never tried to listen. She should not be working in this field!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I established recurring monthly payments thru Navient and XXXX XXXX XXXX in late XX/XX/XXXX and my employer, XXXX XXXX XXXXXXXX XXXX in XXXX County, provided information for the Public Service Loan Forgiveness Program enrollment. As far as I knew, timely payments were being made. This is evidenced by my inquiry into a home loan and financial counseling with XXXX XXXX in early XX/XX/XXXX and my payments were up to date at that time. In late XX/XX/XXXX, I get an email from XXXX XXXX stating that I 'm 4 months behind! Naturally, I call right away to straighten the situation out. I learn from Navient that no payments were made SINCE XX/XX/XXXX and they had a street address in Texas and an email contact that was not mine. They made no effort to address the problem or discuss how/why payments were ceased ... ..and I HAD NEVER BEEN NOTIFIED of any issue. But now I 'm being penalized for the problem. The only option I was given was to enjoy a deferment until XX/XX/XXXX WHICH WAS NOT NECESSARY. Now, my credit score has dropped more than 100 pts with XXXX and I have no option for a home loan ... .which I had planned to apply for this XX/XX/XXXX. I need help! I need Navient to explain to me what happened and TAKE RESPONSIBILITY for mishandling my loan payments, possible re-enroll me in the PSLF program and acknowledge any interruption in payments was their fault. I 've fought my way back to XXXX after being XXXX by a XXXX XXXX XXXX on, XXXX two parents after battles with XXXX and I HAVE NO FINANCIAL SAFETY NET. I had to rebuild everything I had from scratch and I am quite tired. I would be most grateful for any guidance you can offer. I will be submitting another phone inquiry to Navient in the next 3 business days to confirm my recent tax information has been accepted online and they are prepared to reinstate lower payments ( as I lost a 2nd job last year and have nearly {$8000.00} less in annual income now ). I still need an explanation and some sort of accountability for Navient 's error so I can be made whole again and reduce considerable anxiety about what I 'm going to do about a home in the future. Thank you for your attention and assistance. Very grateful this options is a real one to get sound advice! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I had been hurt at work and was unable too make payments on my XXXX Mortgage due too the fact workers comp. was not paying me .The bank started billing my line of credit. I have asked for a forbearance since XX/XX/XXXX they have lost the first batch of paper work then I submitted new paper work in XXXX. I have spoken too them and get the story it takes XXXX days for a answer. My first Mortgage has been modified with XXXX without a problem I think I have been lied too on how long it takes and believe they may pull some kind of foreclosure while i 'm still on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I started receiving calls about debit collection, i am never left a voice mail more then a few sec. 

the company calling would get a better response if they just left a voice mail with who to contact. 

this is harassment and should stop, in no way will the calls made at this time collect any debit as i do not even know who this is and they will not disclose any information and i have no income.

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 10/21/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: APR or interest rate

Complaint: I have a credit card with Lowe 's. I received my bill due XX/XX/XXXX that included a regular purchase I made for {$120.00} along with a remaining balance on a promotional amount of {$190.00} ( due in full by XX/XX/2016 ). I made an on time payment of {$150.00} through their automated system. I recently received my statement that is due on XX/XX/XXXX and I notice an interest charge for XXXX. I did n't understand why this had occurred considering the payment I made covered the purchase of {$120.00} and the minimum payment of {$25.00}. I contacted Lowe 's credit card on XX/XX/2016 and the agent told me that the interest was charged to my account because it applied the bulk of my payment to the promotional amount since it was coming up on its maturity. I explained to the agent that it should be applied to the charge that would be assessed the interest first which would have been my regular purchase not my promotional amount. She disagreed and said it was a system decision. Unfortunately, the system is wrong in choosing how I want my payment applied. She informed me that I would have had to call back to tell an agent how I wanted my payment allocated. This is absurd to assume the payment would be applied this way and very sneaky on their part. I also noticed this must have happy at some other point this year and I did n't catch it. They charged me {$1.00} at some point assuming for the same thing. This is criminal. If I do n't pay the promotional amount by the payoff date then I should be charged whatever interest I deserve to be charged. Those are the terms I agreed to. Nothing else. The agent did refund me the {$2.00} interest but I would like the {$1.00} back and for them to change their practices or I will not continue to utilize their card. I have utilized other promotional offers with other companies and nothing like this has happened before.

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 02/26/2018 about Checking or savings account (Checking account) with NETSPEND CORPORATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have had an account with XXXX ( Net Spend ) for over 5 years I have my SS and pension benefits auto deposited, of XXXX.I put my son on the account, when he went to get a new Drivers License they they would only issue it with the name on his Birth Certificate which is XXXX, I went on line to order him a new card in XXXX XXXX instead of XXXX, sent them all his legal Documents, they sent a new one in XXXX, On my records from my acct it said new card XXXX XXXX PENDING it was never activated nor used, I tried 3x's.This year when my son had his tax 's done they put them in my acct I recieved a text message saying there was a problem with a deposit, I called them and resent all his legal papers stating he was a Shull, I told them that prior to this I tried getting a card in his name but nothing ever showed up, Well the IRS, and Social Security also told XXXX XXXX there was No Fraud , I had a very rude supervisior that insisted it was fraud and they closed my acct, I was told that only my son would be taken off well they shut me down and said they were sending me a check. so all my debits and auto deposits are being returned.This is such an injustice I'm beyond upset!

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with All State Credit Bureau, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My Fiance and I moved out of a bedbug infested apartment complex in XX/XX/2016. The landlord attempted to keep our {$200.00} security deposit, and charge an additional {$310.00}, because the carpet was left in poor condition. We have actively been disputing this, citing Michigan guidelines for dealing with bedbugs in multi-unit housing which clearly indicate the carpet should be replaced in most cases, and requires a special bedbug vacuum in order to prevent spreading infestation to new places. We feel this is a totally unreasonable expectation for a landlord to place on their tenants. 

In addition to this, my fiance 's name has been misspelled in every piece of communication we have received from both XXXX ( the apartment complex ) and All State Credit Bureau ( The debt collection agency ). We realized this when we received an updated list of damages with a security deposit refund check that was refunded " under dispute. '' However my fiance 's name was misspelled on both the updated list and the check. When we pointed this out to XXXX, XXXX, a XXXX representative, responded by saying this, " I have attached a copy of the security deposit refund form with the clerical errors corrected. 

... 

Your account will be turned over to All State Credit Bureau for further collections on XX/XX/XXXX. They will be in contact with you after that point. '' So we recieved a new list of damages, with her name still spelled incorrectly, but differently this time, but no mention of a new check being issued. This seemed extremely suspicious to us, so we have not attempted to deposit the check and for all intents and purposes our security deposit is still being held. 

The reason for our complaint is this. We received a letter from All State Credit Bureau in mid-XX/XX/XXXX saying that we had 30 days to dispute the debt. We responded within 30 days on XX/XX/XXXX via certified mail which we were able to verify was signed for and delivered to their agency. As of today, XX/XX/XXXX, we have not retrieved any form of debt verification from All State Credit Bureau. Yet on XX/XX/XXXX we received an email attempting to collect the debt that has supposedly been transferred to All State Credit Bureau. As outlined in our dispute letter, we are not sure why so many entities are still attempting to collect this debt, or who has a rightful claim to it. If, as XXXX said, the debt has been transferred to All State Credit Bureau, we must assume that the collection attempt we received was approved by their firm.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get calls from XXXX, who state they are a debt collector. I have no debts, other than a couple of credit cards, which I pay off monthly. I have no idea why they keep calling me.

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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with Bison Recovery Group, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On multiple occasions Bison collections sent threatening calls to me regarding service date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i received a call from this company with XXXX agents on the line requesting for payment. I advised that I am unaware of these service dates. The agents continued to bully me on the line. They referenced that they can see my credit score, mortgage payments, and paid off student loans for my children. I continued to state that i am unaware of the service dates and would like a verification of validation. Another agent then told me that " I could be sitting on a lottery ticket and when can you begin to make payment. '' I was shocked and very bothered by this and was n't able to get a word in edge wise. I advised them of my XXXX XXXX and my XXXX started to affect me during the call. Another agent contacted me within hours and again requested for payment. I asked again for a verification of validation letter and he stated he could request but there was no guarantee and again insisted i make payment or they would sent the claim to their lawyer. I then asked if the agency could contact my insurance company at the time of service on conference call. The insurance agency stated they did not have a service date for my self or anyone in my family got the dates of service provided. ( This was a conference call with Bison Collections, XXXX ( insurance ), my daughter ( witness ) and myself. I then asked the representative at Bison to contact the doctor of which they stated the service was sent to collections and at first the Bison representative refused and stated it would be a conflict of interest. The agent then agreed to call the medical provider via conference call. The medical provider stated they would have to go through their archives but they did not see anything for the date of service XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX, but would research. ( these calls were made on XXXX/XXXX/XXXX ) This call lasted about 4/5 hours. This collection agency is requesting round {$2800.00} for XXXX service date of which the medical provider nor the insurance company can seem to find. Bison Collections have yet to send any statements as well. I even request for certified mail to serve as proof of receipt. I am not aware of this bill and have yet to receive any statement nor verification of validation letters. As last week i continue to receive calls from this company requesting payment and i continue to request for statements. Today I tried calling the collection CO, and the representative refused to tell me who he was, or where they were located, until i provided my name and SSN, I then hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am recieving continuous phone calls from a company trying to collect a debt for HSBC from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with Oxford Law, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I received a call on my cell phone from Oxford law llc out of XXXX Pennsylvania. After a lot of wasted time and being talked to very rudely it was discovered they had the wrong phone number on account, and was assured I would not receive another call. I informed them due to my cell plan they cost me money every time they call. I was contacted on XX/XX/XXXX again. It might not sound like a big deal but it is a waste of my time and money due to their incompetence. I find their business practice and tactics very questionable. I have not been late on a bill since the late XX/XX/XXXX and find it very insulting to be spoken to they way they do. As I was looking them up online I was praying they were close enough to drive to.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX and Select Portfolio Servicing ( SPS ) were the mortgage holders for my loan. I have a previous complaint against SPS ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments. 
The attached credit report pageXXXX of XXXX ( which is a part of a full Mortgage XXXX ) number XXXX show that I had XXXX 60 day lates on this mortgage which are erroneous. 
Firstly, enclosed is a mortgage statement for XX/XX/2014 that shows that there are no late mortgage payments and no late fees due, payment confirmation XXXX/XXXX/2014 no late fees, statement of XXXX/XXXX/14 showing no lates, XXXX/XXXX/14 payment confirmation no outstanding late charges. Therefore there are no late mortgage issues. Therefore : there could not be a 60 day late for XX/XX/XXXX and XX/XX/2014. 
I have applied for a mortgage and have been told the above error in my credit report is preventing me from obtaining a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Portfolio Recovery is reporting an account with a balance of {$720.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
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: This Chase Card account showing Charge Off on my XXXX Credit report is not my account. I am listed as an authorized user. I have sent letters to XXXX and Chase and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.

Company response to consumer: Closed with non-monetary relief