milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with Bayview Solutions LLC (AK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Bayview solutions XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ceo XXXX XXXX hired XXXX XXXX to collect a debit i was never made awsre of he called our home and wanted to know when we were going to be home do he could service of papers filed in XXXX XXXX nv he also called my working telli g the service are to tell me i was getting sued and they better have my self and my boss there to serve me with legal papers he ssid he was doing this in nv i have not lived in nv since XXXX now im in trouble at my work for this spoke with XXXX XXXX from bayview he told me i owed XXXX i told him i have never gotten any thing in mail or calls until today XXXX/XXXX/XXXX i ask him if this was to old to collect on he said no there was a payment made on XXXX/XXXX/XXXX i didnt make a payment that was the sameday also the debit was sold i ask him to show me proof of a payment he told me no and from that date the sol stared over he also said there was a payment made in XXXX where he said we lived in XXXX nv once again there was no payment made i ask him for proof through a check number or a credit card acct number and he told me know the only time i have ever heard about this is when they called threating me and my job on XXXX/XXXX/XXXX i dont feel it is correct to threating me at work or my husband with serving legal papers and getting me fired XXXX XXXX was made aware of the treatment we recieved from XXXX XXXX i belive they have falsiefid the payments they said that were never made to rest the time of the debit they were ask to give me the origal contract and have not recieved ir also they were ask to show all documents per the fair debit act with to this date they have not if i owe debit it should be handled in a fair non threating leagal way not by bullying me also i would like to make sure my name and informatiob was not XXXX of the XXXX 's name that XXXX XXXX company put on a pyblic web site per the case involving them getting fined by the us goverment

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a paid collection with XXXX that was supposed to be removed from my credit report after payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I woke up today to a collection on my credit report from this company CONVERGENT XXXX it says the original creditor is XXXX and it was opened in XXXX XXXX i monitor my credit religiously and i have no idea who this company is and i never opened or owed XXXX anything in XXXX XXXX this same company has been harassing me over the phone for a month whenever i told them to send me something in writing about this account they hung up on me

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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: XX/XX/XXXX I reached out to Equifax to dispute inaccurate information on my credit report. They claimed to open an investigation and found the information was correct. I asked the, to verify that the inquiries were in fact done by me and they could produce no evidence. Therefore, it is unfair with no evidence to assume the inquiries belong to me. According to law, anything on my credit report that is inaccurate information has to be deleted. It can only stay on my report if their is evidence and this bureau could not find any because they were never done by me.
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax 's systems were recently struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. As of XXXX XXXX, XXXX at XXXX, I am listed as a potential victim of Equifax 's cybersecurity incident according to Equifax 's equifaxsecurity2017.com website, and would like a resolution. Equifax has mishandled my information, which puts me and millions of other people at risk. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making electronic check payments to Navient. It takes about 5 days before they are posted. They do n't give a confirmation number when you submit them. In addition, there does n't seem to be any customer service contact number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I file a complaint with the XXXX credit Bureaus Agencies regarding a Collection Debt from Resurgent Capital Services, they Wrote me a letter on XX/XX/XXXX with an Payment statement advising me that such account was mine, I wrote them back and told them that I found inconsistencies along with the information they sent. as Date Account was open, the Balance of the account is incorrect, Last payment there were No payments made since XX/XX/XXXX they altered the account open date, because how do you explain that if it was open on XX/XX/XXXX according to their outdate info why the account would be removed until XX/XX/XXXX is n't it true that will remain 7 years minimum if the account was open XX/XX/XXXX to XX/XX/XXXX is 4 years, there is many discrepancies that are not accurate at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: My wife and I are attempting to go through a Short Sale w ith Select Portfolio Servicing , In  c.  and  XXXX   XXXX   XXXX  ,  XXXX  since  XXXX  of   XXXX  . We are being represented  by   XXXX   XXXX   XXXX  to help us navigate this process. Unfortunatel y, SPS , Inc. has b een extremely difficult to work with and we fear that our mortgage companies have reached an impasse concerning compensation towards  XXXX . We are trying our hardest to comply, but we are now desperate for outside assistance to look into our situation. Since  XXXX , SPS has repeatedly denied our application for a Short Sale by stating that various fees either need to be added or removed from t he HUD-1 disclosure, and they have also stated that the asking price for the home is too low, even though multiple BPOs hav e come back with the exact value that was listed.      We have repeatedly shown good faith and patience by trying to adhere to SPSs requests, but to no avail. They consistently come back with a different request nearly every 1-2 weeks. The latest request was to reduce the amount that the second mortgage (  XXXX  ) would receive. In the HUD-1 it listed that   XXXX   would receive {$12000.00} in compensation for the short sale. This has been in the paperwork since the beginning and SLS has agreed to all versions of the Short Sale application submitted until the   most recent on approximately  XXXX  when SPS required that the amount be reduced from {$12000.00} to {$6000.00}. We find this and other requests to be unreasonable because we feel that SPS should have notified us of all issues with the application for assistance all at one time rather than repeatedly  requesting the terms of the HUD-1 be c hanged for differing reasons at every turn.     Due to the reasons listed above, we believe that SPS is purposely trying to find reasons to deny the Short Sale, thus they are not following the governments guidelines for lenders to provide foreclosure alternatives to homeowners. Please help us to rectify this situation so that both mortgage companies can come to a viable solution that will allow us to sell the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this is on my Experian, please ask them to remove the following that are not my accounts. # 1 XXXX XXXX account # XXXX # 2 XXXX XXXX account # XXXX # 3 XXXX XXXX account # XXXX # 4 XXXX XXXX account # XXXX XXXX XXXX account # XXXX please help with this I wrote to XXXX and they had these deleted after they investigated .... this is NOT a DUPLCATE request Thanks for your help in this matter, there are are 10 's of thousands XXXX XXXX in Texas.Thanks again

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 11/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX a family member discovered that the home located at XXXX XXXX in XXXX, NC was not longer there. Through research I discovered that the city demolished the resident, but I was never notified. However Navy Federal Credit union was notified and never informed me. A employee at Navy Federal signed the return receipt and provided it back to the city, because I was never notified and did n't know problems existed, the property was demolished. The home was demolished at the beginning of 2017.  After discovering this has taken place I spoke to the city inspector and after he looked further into the case that 's when I found out that Navy Federal was made aware and I was provided with a tracking number for the letter that was mailed to them. After discovering this I contacted XXXX XXXX and Navy Federal and told him everything that I have stated and I was told that I still owe the unpaid balance for the property even though it no longer exist and Navy Federal knew the property was going to be demolished and never told me. I also spoke to XXXX a supervisor and I was told the something. 

Additional information : Navy Federal charged this loan off, but is still showing that I own the property and states that I 'm still responsible for the unpaid loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm working with XXXX and all my creditors know I 'm going through financial difficultly at this time. They all have been informed since XX/XX/2014. Chase Credit cards continues to call my work phone even after sending them a letter and telling them not too. I sent chase a certified letter stating to work with XXXX XXXX XXXX who are representing me. They know this and refuse and say it 's not in their policy. I ca n't receive and take calls from them at all. This is the number they use to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a follow up on complaint  XXXX  filed  XXXX   XXXX ,  XXXX . The previous company has now changed their name fro m Law Enforcement Systems , LLC (  F rating by BBB  ) to    Professional Account Management, LLC   at the same address. After I filed the initial complaint I did not hear anything from either the CFPB or Law Enforcement systems until Friday  XXXX   XXXX ,  XXXX . Professional Account Management continues to try and collect an illegitimate debt even though I have provided them with documentation proving I am correct. They refuse to go back to the original creditor and make them prove that the debt is legitimate. Please see complaint  XXXX  for the original documentation provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed a complaint with Equifax pertaining to inaccurate information being reported by national credit .XXXX has removed the information based upon the document I provided showing a balance XXXX XXXX for {$57.00} ..i submitted the same document to Equifax , to find they have not included the faxed document in my investigation. The XXXX is the rental property I was leasing from XXXX XXXX, til XXXX XXXX XXXXt is showing a balance of {$8300.00} as of XXXX XXXX, the beginning balance of {$3000.00} in XXXX XXXX, to my understanding collection agents does not have a right to collect more than what the balance is owed, I wish Equifax to removed the negative reporting from XXXX.due to not reporting accurate information. nor correct balance owed from date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Payday loan) with United Compliance Services, LLC (WI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted at work this morning by a clamming to have a certified envelope for me and he wanted to not serve me at work. I told him I could meet him in the lobby, but then he said he was not on he premises but for me to call the toll free number to pick up the envelope locally that once a called I wo n't be served at the office. I called the number and was told that there was no envelope to pick up in XXXX where I work or in XXXX where I live. That the man who called did not work for United Compliance Services. That makes no sense since he is the person who gave me the number to call.The woman then said I would be garnished for a pay day loan, that I was already garnished for in full fin 2013. I told her she had the wrong information and she said that everything was already verified and that if I did n't agree to pay her {$350.00} immediately I would be jailed and garnished again. I told her that I was not agreeing to anything that was not in writing since she had the wrong information. I was not paying the debt XXXX. She said had no choice but to send the garnishment to my employer and then hung up. 
This is really a problem for me since I have already paid this to the original place XXXX XXXX XXXX. There is a mix up, and I do n't want them to threaten or harass me especially at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX XXXX account. The last four of my SSN is XXXX. 

On XX/XX/XXXX I paid my credit account off and on XX/XX/XXXX the account was updated on my Equifax credit report to show a {$0.00} balance. However, on XX/XX/XXXX, XXXX XXXX updated my credit report account again to show a {$2100.00} balance, which is incorrect. I contacted XXXX XXXX to ask them why they changed the information and they simply told me I needed to wait until XX/XX/XXXX for the information to update again. This is unacceptable. I asked them to correct an error and they refuse to do so. 

I am trying to close on a line of credit for my business, and their mistake dropped my credit report score by over XXXX points. 

This issue needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 opened a dispute XX/XX/XXXX with Experian and requested deletion of a collection account because it was illegally reporting. I informed EX and provided evidence that the collection company received my timely response to the dunning letter in which I disputed and asked for validation of the debt they were claiming. The CA was not showing on my credit file XX/XX/XXXX,  the day they signed the CMRR. The CA ignored my validation request but instead, on XX/XX/XXXX, violated FDCPA laws by placing a new listing on my Experian credit file with remarks stating " dispute investigation complete-consumer disagrees ; >placed for collection ''. The law is clear that the collection agency was to cease all collection activity until they responded to my request. The mere placing of the account on my report was illegal because it constituted collection activity. The comments in the " remarks '' field was also a FDCPA violation and does not meet FCRA requirements as stated on my file ; the verbiage in that field is reserved only for an existing collection account when the consumer has not timely requested validation. Placing the comments in that field was a violation because it was a newly added tradeline and furthermore, there was no completed investigation for me to disagree with because the CA ignored my demand letter. 

Additionally, I informed EX that I spoke with the company that the collection agency lists as the original creditor and was informed that there was no account in my name that was in collections. I have evidence to support. 

Experian delivered results of my dispute in 3 DAYS, on XX/XX/XXXX claiming that the data furnisher certified that all the information is accurate and the account remains unchanged. I have every reason to believe there was no investigation. 

At this point, EX has violated my rights under FCRA because it is illegally reporting inaccurate information. The fields showing original amount owed and recent balance are false. The implication that I paid the collection agency {$50.00} is false, the date of last payment is false. I provided Experian with copies of the signed CMRR and the letter to the collection agency requesting validation.

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 02/15/2018 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Was contacted on my cellphone from a company FBCS : FBCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, Pennsylvania XXXX Web Address : www.fbcs-inc.com Left a voicemail initially, saying that I had to re-pay a debt. Called the return number ( XXXX ) and person on opposite end asked for my tel #. Upon providing, he mentioned that the debt was for someone else and not me, and that my name will be removed. I want to make certain that my name is removed, and I want to understand how my name was on this list in the 1st place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: we have a XXXX mortgage for purchase with reverse mortgage solutions and they are threating foreclosure on a lapse in flood insurance of three months in 2014 due to fema of a total amount of XXXX dollars our flood insurance is XXXX dollars per year I am on a fixed income and can not pay the amount they are demanding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX XXXX and an amount owed of XXXX, which I do not have any account in that amount that I owe.

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 02/17/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have had medical issues that have caused me to be unable to pay credit card debt. Today I received an email which threatens to arrest me for my debt.

Company response to consumer: Closed with explanation