milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Owed an amount to XXXX which was cleared up with the tollway direct and agreed to have the collection agency remove any negative marks as it was not 100 % correct. As when I orginally reach out to XXXX XXXX before it had gone to collections the rep I had talked to said that she was removing the additional charges as long as the original tolls where paid which where. I never received any notice from the collection agency and only seen them reporting on my bearu to date I have not heard from the agency only see them on my Credit report I have tried to reach the corp office at the number, a number that I was provided by a cs rep at XXXX. ( the corp number I was given is XXXX ) but still have not heard anything from the collection agency and it is still being reported on my XXXX XXXX report after I was told it would be removed immediately after the situation was settled directly with the oirginal creditor

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving calls from XXXX XXXX XXXX for some time now. They call not only the number I gave you but others as well. However since you 've asked me not to supply you with contact information in this statement I will not list them. 

They claim they are collecting from checks from XX/XX/XXXX and XX/XX/XXXX. I have asked them on numerous occasions not to call me anymore. They still continue to call me. Furthermore, not only do they call me still, they call me upwards of 10 times a day. I have printed out my call logs as proof. 

Besides the fact that they are obviously harassing me, I have also been hung up on in the middle of the conversation only to be called right back within minutes. I 've even been called by a supposed supervisor named XXXX who told me she heard the harassing phone calls and would rectify the situation. Well they never stopped. Some of the representatives who called me are named XXXX and XXXX. I never get a last name. 

At this point I am filing this complaint as I am an informed consumer. it was n't but 90 days ago where I had completed services with a credit consulting firm and they informed me of several laws regarding collections. I 've read the Fair Debt Collection Practices Act and I know that they are not allowed to harass me. Besides the fact that the debts they are attempting to collect are not legitimate as I have contacted the banks that the collection agency claim the checks originate from, I know that the XX/XX/XXXX date they gave me make the debts past the statute of limitations for suing and credit reporting. Since they have now been informed not to contact me anymore and they continue to do so they are in severe violation of the F.D.C.P.A. Please look into this as this company should not be allowed to collect anymore. Who knows how many people they have conned through their illegal tactics.

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 03/27/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have reached out to the collection agency XXXX XXXX XXXX, requesting a letter of validation of debt over three times and they have not complied. This debt was supposedly reported by XXXX XXXX which Ive never owned an account with them. Ive reached out to this Agency three times requestion a letter of validation for this debt, which they have failed to provide to date. I disputed this account on all three credit bureaus and it was deleted on XXXX and XXXX due to lack of information on this debt. The collection agency has reported this debt to be accurate now on the last credit bureau ( XXXX ) without providing the information supporting the validation of the debt. I have exhausted all my resources trying to fix this issue with the company. I recently filed another dispute with XXXX and called XXXX XXXX XXXX requesting a letter of validation. The company reported this account as accurate and hasnt provided the letter of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have asked Dept of Education Navient to sent me my original instrument of indebtedness. I have send multiple certified letters via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I haven't seen the original form saying I signed for this debt from Navient.

They have mailed me an generic document on how to repay the debt but that's it.

My total Debt {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Mortgage continuously requests documents for a loan modification after they have been sent multiple times. This tactic has caused an unnecessary delay and ultimately led to my mortgage modification to be canceled due to, " you did not provide us with the documents requested ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX for the amount {$330.00}. 
I have sent XXXX XXXX a debt validation letter and XXXX XXXX has not responded or removed themselves from any of the credit reporting bureaus. 
I have n knowledge of this debt nor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Hunter warfield debt collection agency has continued to call me to collect a debt from an apartment I used to live in. When I have asked for written documentation to see a breakdown of my charges, the man on the phone became very nasty and told me that a payment had already been made on the account and that it was because of carpet being replaced when I moved out, I told him I still wanted it on paper to see the actual charges for myself he talked over me and very snidely told me " they would send it " and then proceeded to hang up on me without another word. When I have offered to pay them in the past for what I could when I could they outright refused saying the debt must be paid in full or in XXXX payments which I am not able to do, I was told " that was my problem and that I better figure out how to get the debt paid. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I HAVE TRIED SEVERAL ATTEMPT TO DISPUTE THESE COLLECTION DEBT THAT I DONT WHO WHERE THEY BELONG.I HAVE TRIED SEVERAL ATTEMPT TO BUT HAD NO LUCK WITH THEM.I ALSO HAVE BANKRUPTCY ON MY FILES THREE TIMES WHEN I COULD FILE ONCE IN A PERIOD OF FIVE YEARS TRIED TO GET THEM REMOVED BUT HAD NO LUCK

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: With regard to the XXXX XXXX XXXX, I secured confirmation that my tax lien with IRS was satisfied in XXXX. I disputed the lien report with Equifax in XXXX XXXX and again shortly thereafter as they claimed not to have proper identification information. I requested that the tax lien for {$9100.00} in the Public Record section of my Equifax Credit Report be removed and provided a copy of the Certificate of Release of Federal Tax Lien. Equifax will not remove the lien entry from my credit record. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (FHA mortgage) with United Shore Financial Services, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 15 yr. fixed mortgage with Shore Mortgage and my loan was made in early 2014 with a PMI that was to be removed automatically when the LTV reached 78 %. My loan was for XXXX and the property had an accessed value of XXXX at the time of the loan. My goal was to pay off this loan in 10 to 12 years so I have made extra monthly payments that has lowered my LTV making it eligible for PMI removal.. My loan balance is now below XXXX and has exceeded the point where the auto removal should have been made. I contacted Shore mortgage and they want me to pay for a drive by appraisal of $ XXXX before they will remove the PMI. There is nothing in the contract about a drive by appraisal but I have no objection to this or even an inside appraisal but the fee for this should be on them. A real estate agent told me that she could quickly sell my home for XXXX. Now I am also told that if I do not pay the fee for the drive by that the PMI will continue until the date that would be the normal amorization of the loan for the 78 % if I had made no extra payments. This is a rip off and violates everything I have been told by Shore Mortgage represenatives as well as what is in the contract. What I want is for the PMI to be stopped and all overpayment above that required to meet the 78 % LTV to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: Chase Bank agreed in XXXX, 2016 to a closing date of XXXX/XXXX/16 for a house we bought. They were unprepared on XX/XX/XXXX, but said ( daily ) they only needed another day or so. The seller let us move in anyway, as they had moved out and were enroute to Colorado to close on their new home. I called and emailed XXXX or XXXX different people at Chase daily, and almost never got a return call or email in reply. Chase delayed day by day, not closing until XXXX/XXXX/16. We had to pay our sellers ' out-of-pocket expenses of {$4600.00} to get them to extend our purchase contract past XX/XX/XXXX. We have asked Chase repeatedly to refund the {$4600.00}, and they have hinted that they will, but they are ignoring my calls and emails. We would like Chase to pay the {$4600.00} cost we incurred because of their delay. In addition, Chase 's rep, XXXX XXXX, promised to get our loan origination fee of .XXXX % waived at closing, but it was not. We would like that amount refunded, too, because of the promise they made AND the ordeal they put us through. Our sellers called us " squatters '' and even told some neighbors of our problems getting financing. It has made moving into the neighborhood uncomfortable, all because of Chase 's incompetence. Our credit, income and assets are very good - Chase is the entire problem here. I have dozens of emails and recordings that document their failures to perform, respond and make repeated requests for documents already supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach, I was flagged as being a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with AFNI INC. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!

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 09/18/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax lowered my credit score by a whopping XXXX points. That unchecked action cost me and my kids housing. Our rental application was simply denied as a result of the down grade. Like XXXX working poor individuals with children, I am made the poorer when my hardship is compounded by the actions of a non-government ; corporate friendly capital giant and its practices. Consumers have very little protection. 

Equifax appears to indicate that balance increases in my student loan XXXX ( representing interest costs ) are to blame. Yet, these loans are being paid on time and an American consumer with dependent children should not be harmed when interest rates go higher while the student debt is being paid on time. Moreover, as a community worker, I am in the Public Worker Forgiveness Program established after XX/XX/2008. 

I need the XXXX point swing reversed and for the Bureau ( CFPB ) to establish a policy that will allow consumers the opportunity to challenge or correct a record before they are harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything

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 01-08-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have no knowledge of this Dept supposedly opened on XXXX XXXX, 2016 in the amount of {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original creditor was  XXXX   XXXX  and my limit on the card was {$300.00}. I charged {$300.00} on the card in  XXXX   XXXX  and missed my  1st  payment and was charged a {$25.00} late fee. They closed my card in  XXXX   XXXX  without giving me the chance to pay it. Then I received a bill for {$640.00} from  Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was told today when I asked for a credit limit increase that there are XXXX payments to a car loan that I 'm a cosigner on that we 're over 30 days late and on my credit report/score as late payments. I was never notified that there were late payments on this loan through XXXX. I contacted them today about it and they were unable to explain why I was never notified of these payments being late and therefore I was never able to take care of it. This information on my credit report of late payments is false as I was never notified and therefore unable to rectify it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a letter rom Experian National Consumer Assistance Center, XXXX XXXX, XXXX TX, telling me that the address on my credit report had been changed, on the strength of an erroneous address supplied by a company that checked my credit after I had purposely lifted a security freeze so that company could do so. As the attached letter to Experian shows, my address has remained the same, regardless of erroneous information accepted by Experian. My credit report also shows that I am " known as XXXX XXXX XXXX and XXXX XXXX XXXX, '' though my correct name is, as I have always reported, XXXX XXXX XXXX. At no time do I use an alias, and I find offensive the concept that Experian accepts erroneous information and lists it as if it were official. Having this information on my credit report may leave me open to charges of misrepresentation, or to financial fraud committed against me, such as identity theft. I demand that Experian correct my name and address on my credit report, and eliminate these alternate versions of my name that could be construed as aliases. It is a shame, and it should be a crime, for a credit reporting service to change a consumer 's personal information because of a potential creditor 's errors, so as to potentially damage the consumer 's reputation or expose him to criminal activity. People working office jobs for creditors make errors carelessly, and these should not be cause for altering personal information supplied by a consumer in good faith. Why should a credit reporting service be allowed to alter a consumer 's personal information on a credit report, based on a creditor 's office worker 's mistakes?

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 11-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I am very disappointed that Chase has not honored the terms of the offer I opened my checking account under. My employer has made XXXX direct deposits of my paycheck to my new account. Chase is claiming these are not direct deposits and not posting the {$300.00} credit as promised. I consider this wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Equifaxs response is incomplete and insufficient as it fails to answer the threshold question : 1. Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Payday loan debt) with J Northland Group (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: The Company in question 'Northland Group ' had a rep named XXXX XXXX ' leave a voicemail on my work phone stating they were contacting me regarding delivering legal documents out to my home and place of employment. They left a case number XXXX ' for reference and ended the message that I have now been 'notified ' as if this was some sort of legally binding notification. I promptly called the company back at XXXX per their voicemail. I asked for additional information, i.e. who is their client and what debt is this and from when? They claim I took out a payday loan in 2005 which I 'm not aware of. In any event, it 's well past the standard statute of limitations. I suspect this company has bought a list of old debt or this is a scam. Either way, they are going after a debt illegally and threatening to sue if I do n't make due on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. "  account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.

Company response to consumer: Closed with explanation