milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a vehicle through XXXX dealership. The sale price was {$5600.00}. I had {$3000.00} to put down on it but was told by the dealer to put {$2500.00} for better chances of getting approved. The dealer then told me my credit was frozen and asked for verification of my SS #. I provided the proper documentation. They then told me that they could only get my financed at a 22 % interest rate. I thought that was because I had filed bankruptcy. I went to sign the papers, they had the wrong SS #. They then said they would fix it. After 3 hours, they said they fixed it and told me sign here, sign here, and rushed me out the door. When it came time to make my first payment I discovered they were still using the wrong ss # and added my down payment into my balance. I contacted the bank and they informed me that they still did not have the right SS # and that the reason why my interest rate was 22 % was because they take bad credit and since my credit was " frozen '' they approved me. The dealer never submitted the correct info. I then had to submit documentation to the bank. I am currently taking civil action against them. Then I received a letter from the dealer stating my balance is {$2600.00} and wanted me to trade my vehicle in. Then I checked XXXX and noticed that the bank charged my account off at a balance of {$4600.00}. Sale price was XXXX - {$2500.00} down payment, but I owe {$4600.00}? This is hurting my credit tremendously! Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
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: trying to get inaccurate inquiries off credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Struggling to pay mortgage

Complaint: I started to fall behind on my mortgage in XXXX XXXX because of a decline in my business. I have not paid since XXXX XXXX. My mortgage service provider is XXXX XXXX. I have contacted them multiple times in the past months asking for forbearance to be able to catch up my mortgage. What I am receiving from them is that " their investors '' will not allow forbearance therefore there is nothing I can do other than pay the back payments to reinstate the mortgage. My total amount due now is {$24000.00} due to late fees. My business has picked up and I am able to make the monthly mortgage payment but not the back payments. I have contacted XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and working with Nevada 's Hardest Hit fund to help. At this point no one has done anything. Any help you could provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Allied Collection Service reported the exact same accounts twice on my credit report. I paid them {$330.00} on XX/XX/XXXX. I was told that both accounts would be deleted which 1 by the way was false information because the account was inserted on my credit report twice with the same exact same account number, the exact same company and the exact same amount. I have yet to receive a deletion letter as I was told on several occasions. Each time I call they tell me that all calls are recorded but coincidently they can not find the recorded call where I was told that the account would bed deleted. Once the 1st account was updated as paid instead of deleted I called explaining that I was told that the both accounts should have been deleted. I have spoken with several supervisors that told me they would follow up with me and did n't. As of todays date XX/XX/XXXX ( over a month in a half at this point ) supervisor XXXX XXXX advised me that my deletion letter was requested today and will be mailed out no later than tomorrow and to give it 7-10 business days before receiving it. I have absolutely no faith in that ( hence the reason I am still writing the complaint ). This is mistake on Allied 's part that needs to be resolved. They had no valid reason for reporting the same account twice on my credit report and then not update neither of them correctly as promised.

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 08/29/2015 about Debt collection (Medical) with Harris & Harris, Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this bill the day I received it. I have continued to receive the same bill even after providing a copy of the cancelled check XXXX.XXXX told me repeatedly I had XXXX options to either fax or email the canceled check even after I told her I could not do either. XXXX supervisor after the XXXX Bill finally gave me a mailing address.After calling Patient relations at the XXXX XXXX XXXX Center I was told I should be contacting XXXX XXXX XXXX hospital. I do not understand why they did n't tell me this sooner I was instructed by XXXX XXXX to mail the copy of the cancelled check to her. Even with continued communication documenting with XXXX XXXX XXXX XXXX and XXXX XXXX Hospital that the bill was paid they sent a delinquency notification from Harris and Harris Ltd collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This account is a Capital One # XXXX ... ..I was sue by Capital One even I prove I have some fraudulent Charges. They credit part of the balance so I paid out of the court part of the balance to there 's attorney and the main problem they do n't recognize that I have paid in full the remaining balance. I have my XXXX report and still show some remaining of {$2700.00} and the status is report as Delinquent. I need help to completely removed as a result of affect my credit life style

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Ocwen complaint I can not get answers. Back on XXXX/XXXX/2017 I filled out an application for a Deed in Leiu, I was told not to make any payments during this process till the application gets processed and finalized.We initially wanted to vacate the premises the right way without a foreclosure.

We do not get call backs from the company even thou they continue to send me emails ( which I have ) stating I have a conference call scheduled with the relationship manager. We have made several phone calls and all I am told is I am very sorry, in a language that can barely be understood because they outsource their customer service.

I have read multiple complaints about this company online and they are all the same, no answer, no solutions, every excuse leads to problems regarding a lein on the home which is the excuse I was given ( yet I purchased the home with no history of a lein ) ..?

Now they have reported to the credit Bueru that I am delinquent on my account and past due the full amount of the note {$79000.00} Which is ridiculous Because we stopped making payments when we were told not to pay anything! 

It should be illegal to run a business the way they do. Deceptive trade practices.

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 03-07-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment. 
My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with Consumer Solutions Group (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called XXXX XXXX XXXX XXXX and requested any documentation showing any of my information and signatures on a account that 's on my credit history. when I called I got the most rudest receptionist/ women ever. I was very clam with this lady after speaking with her about this account i requested a manager because she could n't help me. she could n't find me a manager after I requested one for the 5th time and all she did was continue to argue with me. I never got a manager but someone who he said he was a partner. Anyways ; once speaking with him and not really listing to what i had to say or was requesting he ended up getting an attitude as well. He told me only my lawyer can request any documentation and i would have to call the original creditor ( which I did but they gave me consumer solutions group phone number ). all i am requesting is any documentation and signatures showing i owe this account and if not I want these accounts off my credit report. I have no knowledge of how i ended up with these accounts and I want them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: Trying to refinance our mortgage to a fixed rate. Spoke with Quicken Loans representative and discussed we have excellent credit, new home (  3  yrs old ). Rep said they need {$500.00} down to start process and all closing costs fees could be rolled into the loan. Told him looking for fixed rate, no PMI insurance, closing costs rolled into the loan and felt our home could be appraised at {$250000.00}, like it was initially when we built it including  33  acres of land. Provided all of our financial information,  (  pensions, savings, and additional property to our home ). Representative confirmed we had excellent credit. Received a  Loan Estimate  on  XXXX  with closing costs for {$7700.00} and {$1000.00} CASH due at time of closing. Mind you, I was told I only needed to pay {$500.00} to start the process, the rest could be calculated into the loan.  Appraiser  then came to our home. On   XXXX   appraisal was done for {$210000.00} and homes in comparison were over  11  miles away and ranged from  7-28  yrs old and not good comparisons which now increased our closing costs to {$11000.00} with {$3200.00} CASH due at time of closing. When I called and questioned the appraisal I was told they can not dispute the appraisal. I told them I no longer wanted to pursue this loan. I called and spoke with the  Executive Office  that handles these matters and was told we could supply the appraiser with sales of our choosing. I just paid for the appraisal, why do I have to supply the information?  Quicken Loan  's process is a GREAT way to check individuals credit, their assets and increase loans and payments to obtain more money. The appraisal should have been a better comparison within a closer radius and similar aspects of our home. When we built our home three years ago rates were lower and it was a buyer 's market. Today, rates are rising and it is a seller 's market ... .should n't it have come in higher than the initial appraisal? Our home should not have lost value!!!!     I asked the  QL  representative hypothetically if we received the loan, defaulted and they took ownership of the home, would they include the hardwood and porcelain floors, solid surface counter tops, on demand boiler system, radiant floor heating, corian window sills, medallion cabinets, composite decking, triple pane windows, 33 acres, etc.. I requested the refund of the appraisal of {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i never had this company sprint please removed off

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know what happened to my account I had money in and after I left my job I went back to school. I looked into my account and it was negative I do n't see how and I had at least XXXX dollars in it I never got an explanation saying why. It was closed with a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX has continued reporting XXXX 2005. This was a debt switched to my name before my ex-wife divorced me. XXXX has changed collection agencies to keep this on my record. I 'm not paying it and it 's over 10 yrs old. Take it off. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 we had our checking account hacked by someone named XXXX. USAA Federal Saving Bank then says it was our fault because it looks like we gave this person our token, which it takes to get into this account. 
I guess they think their tokens are beyond breaking into. We do n't know any of the XXXX people that were indicated in our checking account fraud. They have found us guilty without even letting us prove we did n't do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I attempted to switch my television/internet/phone services to  XXXX  around  XXXX   2014 . I had  XXXX  working phone lines in my in which were not ported over, so I was left without working phone and internet services. I also experienced technical issues with my television services as well. I stayed in constant communication with  XXXX  as I did not have properly working services and I was always bounced to my previous provider of  XXXX  to handle the issue, in which they could not because my services were taken over by  XXXX . I spoke numerous times with  XXXX  technical support and porting services and to no avail services were not fixed and I switched back to  XXXX . I was informed that due to the trouble that I experienced, I would not owe a bill, it would be settled and now I have a bill reported in Collection, which I received no notice of prior to reporting to the credit bureaus. I spoke with  XXXX  customer relation a couple of months ago to have this matter taken care and I basically informed that I owed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (I do not know) with Alorica Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I/we sent a letter on XXXX XXXX, 2016 asking Global Receivable Solutions to send all documentation including my legal signature showing that a debt is owed to their company. After waiting 30-days, Global Receivable Solutions never provided me with the documentations. 

I/we then sent a follow-up with a phone call and letter on XXXX XXXX after receiving a phone call from a Representative [ XXXX XXXX ] on XXXX XXXX, 2016 advising that they did not meet their obligation outlined in the first letter. 

For this, the company has failed to meet the 30-day validation outlined by the Fair Credit Reporting Act ( FCRA ) and/or Federal Fair Debt Collection Practices Act ( FDCPA ). 

Due to the company 's unwillingness to send all requested information, it continues to affect my credit report. And I am unable to confirm this " alleged '' debt. Our belief is Global Receivable Solutions is not dealing fairly and would appreciate if CFPB conducts a full investigation of their business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX EQUIFAX RE : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on XX/XX/2017 ALSO BOTH OF THESE ARE 60 DAYS OVER THE DEADLINE OF YOUR INVESTIGATION SEE ATTACHED COPY FOR PROOF ALL OTHER DISPUTED DATES AND TIME SEEMS TO BE INVESTIGATED CORRECTLY! 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : CONFIRMATION # XXXX XXXX CONFIRATION # XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. 
PLEASE LOOK AT DATE AND TIME AT THE BOTTOM RIGHT HAND OF THE FILE Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation