milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Called Equifax and sent in driver 's license and social security card 2 time s. Information is   still not updated. I can not even view my report. The address for them to send the report is inaccurate on their file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with New Century Financial Services, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company XXXX XXXX XXXX contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, 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 04/27/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA. 

I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: We have a credit card from Bank of America and was signed up for automatic payment. I cancelled automatic payment in XXXX 2015 after our checking account was debited twice after I made a payment. The extra money was returned to our checking. This month, {$520.00} was removed from our checking account ( XXXX XXXX XXXX XXXX ) and applied to our credit card. After making a complaint, Bank of America stated they would credit our checking account on XXXX XXXX, 2015. This did not happen. After phoning Bank of America today, the lady I talked to said that the money was credited back to the credit card account. I told her that was totally wrong. How can Bank of America take {$520.00} out of my checking account to credit the credit card account ... then removed that {$520.00} and again credit it to the credit card account. Totally makes no sense whatsoever. Bank of America states they will research the problem which will take at least seven to ten business days. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PORTFOLIO RECOVERY are trying to collect money from me but I never owed them or anyone anything. I am trying to get a mortgage and they file false info om my report and I called and they could n't verify this account or give me any information that actually determine it is me or mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My account is now handled by the Equifax Consumer Affairs and I would like for it to be REMOVED. They are rude, inconsiderate and just blatantly hang up on you because I ca n't pull m info anymore. This is N OT HOW you t reat consumers!! I would like for my account to be removed ASAP! I ca n't pull my score for free or reports anymore something has happened and this was months after they started handling my account. I should be able to monitor my report and not call a rude  XXXX  department

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Consumer Loan (Vehicle loan) with Ricart Financial Services (OH).
Issue: Problems when you are unable to pay

Complaint: I filed bankruptcy XX/XX/XXXX against central ohio credit union. It is showing 3 times on my credit report and I am being dinged several times on this matter. I have filed a dispute with XXXX. and XXXX. They still have n't done anything. I was understanding that it would wipe my credit clean. According to my credit report it showing on XX/XX/XXXX as opened, XX/XX/XXXX as opened And XX/XX/XXXX it says closed due to chapter XXXX bankruptcy. I feel as though I am getting marks against me XXXX times and I was at the understanding that it would be wiped off completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan modification,collection,foreclosure

Complaint: This issue has dragged out over the last 8 months. I have been trying to apply for a Home Loan modification from NationStar Mortgage. I have come under several financial set backs in the 2015 year and wanted to request that I get assistance with my loan. I have applied for several Home Loan Modifications and Appeals with NationStar Mortgage Company, but all were denied. I have had poor customer service from NationStar, and I have requested several times to have a different Loan Specialist assigned to me for the one that was appointed to me would never answer her phone or return my emails. She would call me back at minimum a week later and at that time would explain that I still need to upload more documents for my modification. It was not clear on what documents that I needed and I was referred to the website that would tell me what I need. I have tried contacting her manager in regards to this matter to request someone that would better assist me with my process, but each time I am redirected to her. I have given all the pertinent documents that they have requested online. I received a letter from NationStar stating that I make enough money and was denied any kind of modification assistance. At this time, I have yet to speak with anyone that can offer me any real help and I am not able to speak with anyone that is actually performing the hardship loan. I have tried calling my Loan Specialist every time and she insists that I still have documents that need uploaded. After I upload the documents, I am told to wait and call back a week later to see what they have decided. The loan documents are expiring because I am waiting on NationStar to give me an answer. When I call, I am directed to the customer service center, which has no record of the modification assistance and I am needing to explain again as to why I am calling and why I am requesting assistance with my home loan. I get calls at least 2 to 3 times a week asking when I am going to bring my loan current when all the while I am waiting to hear something from their company. Their one offer to help was for me to pay an amount a month that I am unable to make and there was no other alternative extended. I want the harassment to stop and I would like to move forward with this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Each day they call over 5 times a day, today XXXX XXXX with Synchrony Bank has repeatedly hammered my phone. I have phone records of each attempt made. Not only have they harassed they have went above and beyond the fair debt collection practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2016 about Consumer Loan (Vehicle lease) with AUTO TRAKK LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I contacted AutoTrakk LLC about an account being reported on my Credit File. The direct dispute was received on XXXX XXXX, 2016. On XXXX XXXX, 2016 AutoTrakk responded with a very vague reply stating that the file was verified by them, which is not adequate information for the direct dispute to be considered responded and verified. There was no supporting documentation and the dispute, as far as I am concerned was not resolved by the lack of information provided by the firm. As a result, I am more than sure that the account must be removed from my credit file and the company must cease collection attempts. In addition, when AutoTrakk initiated the repossession process, they did not follow NC state laws and send notification of intent to sale along with the location and other pertinent information about the sale of the vehicle along with deficiency information. Which makes the deficiency balance void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had fallen behind on my loan and reached an agreement where I would pay them $ XXXX month for XXXX months and the payment would be directly withdrawn from my account each month. I checked out my credit report and I noticed that the payment deductions had stopped. When I contacted them they stated that I had no agreement with them and now my account is back in collection and messing up me getting employment

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was asked about my assets, then I was sued, never offered payment plan or any other suitable conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Mislead by sales reps to open their credit card only to be denied the " promised '' and advertised discount. 

When I went to the store the clerk convinced me to open a Kohls charge card for the additional discount. I was hesitant but figured what the heck I need a discount on my purchase. She said the discount would apply to the ENTIRE Kohls charge purchase. So I opened the credit card but I wasn't purchasing enough on that particular order and had another coupon to use. I asked if I could wait to use it and she said yes it is saved in my app. Sure enough ... there it was. 

Today, XX/XX/2017, around XXXX pm my wife and I went to the store. I told her I had this coupon for our entire purchase. She asked me what it excluded and I didn't know. So I open the app and see that it has XXXX exclusions. When I look for exclusions it simply says entire charge card purchase. So we shopped for about 30 minutes. Picked out work out clothes and some shoes. Go to the front scan the items ( {$620.00} ). The clerk asks if I have any Kohls cash and I responded no. She asks if I wanted to open the credit card and I said I already have one, in fact I want to use the coupon. Then she scans it and says it excludes these items. I responded by saying it has no exclusions and I even pulled up another coupon WITH the exclusions. She agreed it was weird but could not offer an explanation. I told her I ONLY opened this credit card for the additional discount and now I have been damaged with a credit app that lowers my score. I asked to speak with the manager and she calls over a female manager named XXXX. She also agreed and said she would do nothing for me. At that point I was embarrassed and frustrated so we left the store. However, it is unacceptable to sell a credit card under false incentives. I want an answer for this and I want everyone to know that the Kohls credit card is a rip off because you will not get what you are promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have requested that this company Optimum Outcomes Inc, send me proper validation that this account is mine and is correctly reporting to the credit bureaus, but they have failed to do so. I have been requesting information about this debt for the past 6 months and have not received any information. According to FDCPA : The collection agency has 30 days to respond to your request. If they dont, they are not allowed to make any more collection attempts on the debt. If they do, theyre in violation of the FDCPA. 
I have requested that Optimum Outcomes Inc. send me the below information : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Commission for debt collector if collection efforts are successful : A copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
A copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
A copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
Copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one )  Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : Authorized Signature For Creditor But since it has been more than 6 months I am requiring that Optimum Outcomes remove all information from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from a local lawyer on XX/XX/2018, stating that I was being sued and that I might need legal help. I was confused by this so I decided to check CCAP to see what was going on. After checking my name and birth date I did see that I was being sued by a company called, XXXX XXXX, this coming XX/XX/XXXX at XXXX. I have never received a letter or phone call from this company to inform me of such. I then did research to see who they were and got their contact information. I called them on XX/XX/2018 and gave them my number and social. They were unable to give me any information and instead directed me to call a local number XXXX, which is a law office. The number continued to go to voicemail. I called the company back to retrieve an account number and address. That is when I hand wrote a Request of Debt Verification letter. I went to the closest post office to me and sent the letter certified mail on XXXX XXXX at XXXX. The company received this certified letter on XX/XX/2018. I have not received a verification of the debt I owe and have had my credit soiled because of this alleged debt. I am being sued and have no idea why.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2014 we FINALLY came to an agreement with Ocwens lawyer, XXXX XXXX from the XXXX in XXXX, NC to modifiy our mortgage. This modification agreement was subject to a dialogue to get clarification regarding the escrow. On XXXX XXXX, 2014 the Ocwen lawyer XXXX XXXX finally was able to get clarification from their client that stated that : " The answer to your question is that the escrow shortage has been made part of the new outstanding principal balance due under the modification. The shortage ( which was identified in his XXXX/XXXX/14 email to be ( {$39000.00} ) ) will get repaid during the life of the loan upon repayment of principal and interest. " However, just a few months later they have wrongfully increased the escrow by 75 %. I have contacted them and over the course of two weeks still can not get this corrected despite forwarding these clarifications to them and several conversations with their escalation specialist XXXX XXXX. So once again the mortgage servicing is XXXX up and Im using my time to XXXX it as well as pay the increase in the interim because their system will not allow for a short payment. While XXXX XXXX is quite nice she doesnt have the ability to undersand the problem nor authority to correct it. She says she will call back in 5 days with better clarification. Im not holding my breath. I guess I need to again hire a lawyer. What a stupid mess.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a certified letter to Chase on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. By law, Chase did not supply the info within the 31 days required by law validating the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed :

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 08-12-2015 about Debt collection (I do not know) with Allied Interstate LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX added fees to my account that were erroneous before they sold the account to Bank of America. I contacted BofA to have them removed and they advised me it could not be done unless I got a letter from XXXX. I have completed this and send them a letter. BofA still has not removed the fees and I have sent the letter. This is to let you know if you do not remove the fees on or before XXXX XXXX, 2016. I will take legal action. Your failure to comply with banking laws is unacceptable and should result in fines. I find your failure to handle this in a timely manner harassment and I get no help when I call in for the status. The letter from XXXX is self explanatory and your refusal to remove violates my rights as a consumer. I did n't approve you to add the fees on and you sure are taking more than ample time to remove them. There should be no research done on your part. The letter from XXXX is self explanatory and should be completed asap. I stress to you that I will be filing legal action if this is not resolved by XXXX XXXX. 2016.

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 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I discovered this collection on my account so I call the agency to ask questions and dispute the collection. So far I have called XXXX twice about the matter to resolve it. They have not done anything to help they said they would send out a fraud packet to fill out and they would remove it. So far all they have done is send me a bill. I sent a written letter asking them for verification of debt and validation of claim but no luck. Please help

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