milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with Westlake Services, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX. 

On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same. 

The company goes by the name of Westlake Financial Services. 
They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line. 

Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again. 

On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen. 

At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ive contacted Trans union several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

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 07-11-2017 about Debt collection (Auto debt) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I submitted complaint # XXXX with the CFPB on XX/XX/XXXX on NMAC regarding an erroneous repossession. That issue is still being resolved. They offered to reduce my payment by extending my loan, make 2 payments to get me current, and waive all late fees due on the account. I received a follow up voicemail on XX/XX/XXXX around XXXX from XXXX ( one of the managers that is trying to help me ). He stated they are still waiting on my updated contract to be processed ( this was offered as a result of the aforementioned complaint # ).
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The next evening XX/XX/XXXX, I got a call from NMAC at XXXX, which is in violation of FDCPA laws and protection. " XXXX XXXX '' ( her business name ) called and I asked to speak with her manager. She transferred me to " XXXX XXXX '' ( his business name ). I told him about my situation and he validated in the notes. He confirmed all late fees were gone and that they received my {$410.00} on XX/XX/XXXX, which was n't due untilXX/XX/XXXX. He also stated that they did not have my paperwork ; I advised him of the voicemail I 'd gotten the day before stating they were still processing the new contract. My funds did n't process, since my payment amount has still not been corrected. However, I ca n't speak for why the call was placed after XXXX.
<P/>
I contacted the CFPB again on XX/XX/XXXX to advise of the late collection call. I was advised to submit a new complaint and that I could n't " add on '' to my existing complaint. I do n't want to have to deal with Nissan 's aggressive collection tactics, especially if I am the one reaching out for help, or in this case I 'm finally current. I do n't like dealing with offshores agents that are allowed to provide fake " business '' names. I only want the manager XXXX or his boss ( I think her name is XXXX ) handling my account. He is the only one that is following up or watching the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When checking derogatory remarks on my credit score, it shows that I STILL owe on this debt. Despite the fact that this was from XXXX a few years ago claiming I did not return equipment, which I did, When I went on their website to pay the total, the option came up to settle for {$41.00}. I have paid this debt to Stella Recovery and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I see judgements for amount that I had no knowledge about. I also see XXXX Texas addresses where I never lived and wrong spelling of my mother 's middle name.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Transaction issue

Complaint: I went to use my Chase Mastercard for an online purchase. I 've had the card account for over a decade, I 've been on time with my payments, as of late, and I had more than enough available credit to make this purchase. But the card could not be processed at the time of purchase for reasons unknown. I logged into my account and there was no abnormal activity. I called customer service and they informed me that they were issuing a new line of cards and that I should receive my new card with new card number wishing the next XXXX weeks. But in the meantime, my old card number would be inactive. I asked if they could issue me the new number over the phone so I could make the purchase, but the customer service rep said she was n't allowed, leaving me unable to make this timely purchase. 
I understand their reasons for upgrading their cards, but why cancel my old card before the new one arrives? Now I am in a great deal of dismay, because of JP Morgab Chase 's incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Wrote Experian a letter, and mailed it on XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 05-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for mortgage relief under the XXXX program since XXXX under XXXX and since XXXX with OCWEN Loan Servicing. Each time I have been denied or the bank took to long to review documents. I was approved for a short-sell earlier this month after 4 months of waiting and the buyer pulled out due to the amount of time taken. I am again applying for a Deed-In-Lieu as I am XXXX and this is going to affect my security clearance. I am EXTREMLY unhappy with the service I had received and would never recommend this company as a loan servicer. They have extremely bad customer service and shady business dealings. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I believe that someone's information has been included with my credit report as the address on my credit report has my current address and someone's address listed as in XXXX XXXX, Hawaii. My wife nor myself has ever lived in Hawaii. It has been years since I have been late with a payment on credit card or loans and yet my credit score is low. I believe this is a result of someone else has information listed on my report. I have tried to notify Experian and yet this has not changed. I would appreciate you help to resolve this issue. 
Thank you XXXX 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 non-monetary relief
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection of a debit in someone elses name and incorrect reporting to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My Complaint is not about the XXXX. My compliant is about NelNet and what happened before the default. As I review my statement on NelNet 's website, dated XXXX/XXXX/XXXX, it was showing my correct address. I know for a fact Nelnet had my phone number and email correct, as I have received both phone calls and emails from them. When I logged into NelNet today ( XXXX/XXXX/XXXX ) I found out that my loan was a {$0.00} balance. I then called the XXXX, who informed me that they had the following address and phone number, XXXX XXXX XXXX, XXXX, OH and phone number of XXXX. My loans were sent to the XXXX in default status. The woman at XXXX XXXX XXXX told me that I have XXXX to 90 days before I am assessed a penalty fee. I called on day XXXX. Had I not called today, l would have been charged a 25 % penalty fee for default, all because I could n't afford my payments. NelNet REFUSED to work with me, and they changed my contact information so that XXXX could not send me letters. NelNet updated my account with false information in regards to my address and phone number, with malicious intent. This caused the XXXX to not be able to contact me and work with me. I feel that NelNet needs to pay my entire student loan balance as I would have been charged over {$13000.00} in penalty fee for defaulting on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to dispute some information on Equifax report. On my first attempt, I filled out the appropriate fields and verified my information. I was about to submit my request for the first dispute when the system kicked me out and said there was an error. Again, I went back to Equifax and upon correctly validating my information I was told that " The information you provided does not match our records so we are unable to process your request online. '' Equifax then asked me to fax in my dispute with a copy of my driver 's license. I tried once more, even asnwering the identity verification questions again and was given the same response. Now, when I attempt to initiate a dispute with Equifax 's credit reporting, I am no longer directed to the validation questions but am instead immediately asked to fax in my dispute as my information did not match their records. If Equifax had no record of me, how I was able to successfully log on to their site and begin the process of disputing the reporting? I would like this error to be corrected and be given access to my report so that I can dispute the inaccurate information. I even tried to access my Free Annual Report so that I could obtain a confirmation number ( much like the report numbers you get from XXXX ) and use that number to launch my dispute but was instructed to MAIL in a copy of my license and Social Security Card in order to validate my identity. It is insane that I would be expected to mail or fax any documents to Equifax after already having validated my identity and being allowed to start the dispute process. 

There were XXXX accounts listed that were not mine and XXXX account that could not belong to me as I have not opened any new credit accounts this year. I have attached the incorrect information as it appears on my report made available to me by XXXX. ( Even though, I am unable to dispute this information VIA XXXX as they redirect me to Equifax 's website which refuses to acknowledge that I exist. )

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with Diversified Recovery Services Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am showing this account was opened on XX/XX/XXXX. The account has been reported on my credit as of XX/XX/XXXX. This company has not made any attempts to reach out to me about this debt. I was not able to dispute this debt or receive full verification of the debt. Due to company not reaching out to me first.

Company response to consumer: Untimely response
Consumer complaint received 07/14/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: We have to come back to case number XXXX. This case was opened against XXXX XXXX.XXXX answered and we tried in the meantime to clear the matter with the realtor who sent the money, with XXXX who originally originate the money transfer as well as Merrill Lynch , where we have our account. After long researches it came back to the matter, that Merill Lynch got the money transfer XX/XX/XXXX and was not able to find out the final recipient, even we have our bank account nearly 30 years with Bank of America and now XXXX. I told Merill Lynch already on XX/XX/XXXX by e-mail, that we expect an wire transfer from XXXX for about XXXX XXXX. I was in constant contact with XXXX from Merril Lynch regarding the payment and sent them copies of the Italian wire transfer. 
With a letter of XX/XX/XXXX Merill Lynch told us, that they do not pay for the loss in exchange rate XXXX/Dollar because of the delay. We lost XXXX because Merill Lynch was not able to locate us and was sitting about 4 weeks on the money before they finally returned it to XXXX. And during this 4 weeks, the amount was no where to trace, because Merill just kept it. 
Following the XXXX bank it is unlawful to keep money that long. In XXXX you have to clear a matter within 3 days. 
We do not accept, that Merill kept the money that long and caused this loss in exchange rate. We hold Merrill responsible for - not finding our account - even they had from the beginning our informations - holding the money for that long and making it disappear from any trace We want our loss in the exchange rate paid from Merrill Lynch and ask for your assistance in this matter. 
Should you need any copies of correspondence etc. let us know, we can provide everything

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 09/15/2016 about Mortgage (FHA mortgage) with ATLANTIC COAST FINANCIAL SERVICES, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I was working to get a mortage loan to purchase a manufacture home with a company called Atlantic coastal financial, at XXXX XXXX, XXXX XXXX, in XXXX, N.C..The owner XXXX XXXX XXXX and his loan processor, XXXX XXXX XXXX never had the paperwork correct, evertime I requested information, I got the runaround.They lied to me, and the real estate agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.C.She and I were told different things, the seller of the property, I was interested in became very disqusted, They set up closings, when documents were not in order.I real this a scam operation, and they need to be investigated on there practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I reported that is was fraudulent activity on my Paypal Smart connect card and asked to unlink the card from the Paypal account. They refused to do so and as a result there were a lot of unauthorized charges on my 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 non-monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On many occasions, I reached out to XXXX and Navient to make reasonable repayment for my student loan. I 've yet to receive an equitable payment plan of relief that would easy my debt. Rather, numerous fees accumulated with no disclosure which resulted in increase in the amount owed. I now have an outstanding balance is XXXX, which is not the amount borrow for my education. I have not been protected with any benefits in finding the right repayment plan. I am having a difficult time paying this amount back and mostly will deal with the impact of this debt the rest of my life. XXXX/Navient has misled me with their repayment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I went to XXXX XXXX and told them I was interested in XXXX. They convinced me that the XXXX would be the best fit for me and get me the education I needed to become a XXXX/XXXX. I took out a federal loan for a little over {$2000.00} to cover the Dell Laptop they were providing and a private loan for over {$16000.00} to get me through the XXXX semester. I was NOT provided a syllabus before the loan papers were signed. I took it on trust that the agent representing me and getting me signed up knew what the program was and was taking care of me. I was XXXX years old and incredibly naive. Upon my first day of the XXXX semester I was given my syllabus. The XXXX semester consisted of basic courses that each XXXX required to complete. It was n't until halfway into the XXXX semester that I received a syllabus for classes for semester XXXX. Upon receiving the syllabus I immediately went to the web site ( Itt.EDU ) to figure out what the description for the XXXX was as the upcoming courses were completely centered around XXXX and XXXX XXXX. The website, low and behold, had undergone a drastic update and my CAMPUS in XXXX XXXX, AR showed they had the XXXX program available. Armed with my newfound information, I proceeded to visit the DEAN in her quarters. She DENIED that the XXXX was available at our campus and COULD NOT explain WHY I had been put in the XXXX for XXXX. I immediately withdrew HALF WAY through the XXXX semester. Since then I have had my wages garnished to completely cover the federal loan PLUS high interest, and now I am receiving upwards of 10 phone calls a DAY to retrieve {$18000.00} for the private loan. Not only am I being harassed, but the references listed by my co-signer are also being harassed despite numerous requests to remove them from their calling list.

Company response to consumer: Closed with explanation