milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After several attempts of trying to legally communicate and validate a debt that Ability Recovery Services is trying to collect they are negligent and less than professional in responding to the issue. 

Ability Recover Services has reported to my credit report without validating a debt they purchased. It has come to the point that it is just harassing them avoiding the issue then dealing with the matter. 

They are using a false instrument 'contract ' which does n't contain my signature. This contract also is a contract for a period of " 2 '' months. There report to the credit bureau 's state the XXXX delinquency as of XXXX/2014. 

1. I have provided proof of payment for months including the month XXXX/2014 they claim late as report to the credit bureaus. 
2. I have fully satisfied this contracts " 2 '' months agreement and vacated premises before XXXX/XXXX/2014 with proof of payments3. Within the contract " Customer agrees to all terms listed below '' must give 10 day notice in writing before vacating ... Please provide a copy of the letter I submitted. 
4. Provide me a real document containing my signature " XXXX XXXX ' not someone else 's signature. 

I will advise you at Ability Recovery Service to run your business in a professional manner, you on going XXXX word replies and being stupid are getting rather lame to me. Please provide FACT proof to your so called collection or get it off my credit report. 

I have submitted documents with this complaint ; 1. The false instrument 'contract ' you submitted to me that does not contain my signature. 
2. Receipts of payments for the debt you 've reported to the credit bureau 's ( receipt XXXX XXXX rent ) Paid3. Copy of Credit report for the month of delinquency XXXX/2014I have validated your claims " invalid '' and have satisfied this money you so called seek with the information above. I will not submit anything with my real signature to you to avoid anymore fraudulent activity. 

My signature proof will be submitted if need be to the Attorney General with such item 's as:1. car registrations2. Checking account checks3. Deed to home purchase

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Balance transfer

Complaint: I had a Walmart store credit card until several months ago, Synchrony Bank upgraded my account to a Walmart MasterCard and transferred over my balance. Out of habit, I paid my bill through my bank 's bill pay and paid to my old account. When I realized what I had done, I requested a refund and submitted payment to the correct account. I received my refund check and deposited it. Shortly after, I checked my Walmart account online and saw they had taken the payment from the old account, sent it to the new, and I now have incurred a balance on my closed account. I try repeatedly to pay it off but it still goes to my new account, leaving me with this balance and interest charges each month. I have phoned them, left online messages, and have gone through an account investigation with them with no resolution and am worried about my credit.

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 04-08-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this bankruptcy countless times. Equifax keeps reporting this bankruptcy but they will not give me any documentation that states how they determine that this bankruptcy belongs to me. The federal courts do not give out Social Security number 's so I want to know how this Equifax keeps determining that the Bankruptcy belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I cosigned for a student loan for my daughter. The agency handling the loan is Navient. They have the loan listed as a group loan. However, I am the only person that receives the bills for this loan because they have made it a group loan. My daughter, that is the primarily responsible for the loan, is not able to receive information ( online, phone or mail ) regarding this account because all information about her account is sent to me, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have been contacting Navient for over three months trying to get the accounts separate so I can receive my bill and asking that they sent XXXX XXXX her bill. However, I continue to get the run around. The account was behind three months and XXXX XXXX was not aware of it because the bills were sent to me. I tried to find out why I was receiving the bill. However, they would not give me any information. I finally contacted XXXX to find that she thought the loan was still in deferment because she was in school. This effected both of our credit ratings. If XXXX 's loan was sent to her, she could have made the appropriate arrangements to pay the loan. This means she has paid additional interest and fees on her loans and should receive refunds for those funds. I am currently forwarding all mail from Navient for XXXX XXXX XXXX to her address at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have placed my loan in deferment and received a letter that Navient placed XXXX XXXX 's loan in deferment which she did not request. I understand that I am the co-signer for XXXX XXXX 's student loan. However, she should have access to her bill separate from my bill. I want Navient to separate the bills to ensure that I, XXXX XXXX, and XXXX XXXX have access to ours bills. 
XXXX XXXX, XXXXXXXXXXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Settlement process and costs

Complaint: My husband and I recently re-financed our home. As part of the re-finance deal, we agreed to pay off XXXX outstanding credit card balances. XXXX of those balances was with Capital One. A check was issued to Capital One in the amount of {$6600.00} by XXXX XXXX XXXX and Closing Services. I sent this check off and it was cashed on XXXX XXXX, 2016. Unfortunately, our Capital One credit card account that this check paid off, was returned to its unpaid status even though the XXXX XXXX check had been endorsed and paid. The specific complaint from Capital One is they could not read the endorsement clearly. After multiple conference calls and at least XXXX times forwarding a copy of the front and back of this check, Capital One still claims they can not find this check in their system, and keep requesting a clearer copy. We are in our second period of investigation and Capital One has temporarily re-credited our account with the {$6600.00} for a limited time while the investigation proceeds. I am working with the check-issuing company, namely XXXX XXXX XXXX, who are being very cooperative and doing everything in their power to help resolve this issue. Unfortunately we and Capital One seem to be going in circles, and I fear our balance will be re-instated and we will be once again liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed incorrect information reported on my credit report and asked for verification and validation of debt. I did not receive validation and verification of debt. The request has been over 60 days. The debt is with XXXX and US Dept of Education.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not received any written notification of this debt by CMRE. I i was called about a debt in XXXX of which i made payment in good faith & requested Dr 's information or the clients they represent, however i have not received any receipt of that payment or any other payment reminders or even details how this debt was accrued. 

i never got a bill from any doctor neither do i remember receiving any information neither by call or in writing from CMRE, this was only brought to my attention, when it appeared on my credit. 

i am in the process of purchasing a home and attempted to pay them {$100.00} though i already mentioned this was mistaken identity. 

they threaten to put this on my credit if i did not pay, so i paid them just to avoid any discrepancy on my credit. 

well come to find out they reported falsely to my credit and have engaged in XXXX style tactics, threatening and harassing me since i made my first call to them.. 

i need justice and a refund, they should delete this from my record and provide the Dr or Hospital details that gave them my information, so they can be sued. 

falsely reporting to my credit has caused me great financial loss and i am in the process of losing the Ernest deposit i made.

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 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We were scammed by a timeshare in XXXX. Most of what we were told during the presentation has proven to be false. The timeshare has been paid off and we have tried unsuccessfully for years to cancel our membership with XXXX and they refuse to cancel. We have also tried to sell or transfer membership to escape escalating yearly fees without success. We stopped paying the yearly maintenance fees in hopes that XXXX would cancel or terminate our membership but instead turned us over to Monterey Collections. Research showed some timeshares allow to " surrender '' membership but XXXX said they would not send a " surrender packet '' or discuss anything about the account until the past due amount and penalties of {$2200.00} was paid. It is also highly likely " Surrender '' is another Scam. XXXX used lies, deceit and unlimited alcohol to entice victims into a contract that they can not escape from. We have attempted to negotiate, they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Problems caused by my funds being low

Complaint: I messed up a payment and needed to use my overdraft protection for my Santander checking account. I was on vacation at the time, and as soon as I returned went to Santander Bank and paid it off. Since it was a Santander bank and XXXX accounts were Santander. I paid it off in full. i then noticed on line that there was a balance on the credit line. I called the XXXX # and got nowhere in resolving this. I then went to the branch where i made the payment. They told me that the balance was interest that accrued because it took two days to clear. I find that totally unacceptable, since I took money from my SANTANDER checking account to pay a SANTANDER bill at a SANTANDER branch.

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
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (HI).
Issue: Loan modification,collection,foreclosure

Complaint: We bought a property n lender sold the loan to another company and did not clear the deed we stuck ca n't refinance did loan mod went on trial payment for six month n lender ca n't finalized my mod due to the original co.put a lein on my property n company no longer exist servicer advice us to file chapter XXXX and applied another loan modification and did that got discharged and now trying to apply another mod and servicer said we 're not qualified because we were late for 40 months now our house is on foreclosure what shall we do?

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 06/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through CBA with no closing date yet last reported on XXXX XXXX, 2015. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through XXXX and Equifax that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage ( XXXX ) calls every month beginning from the XXXX of the month until the mortgage is paid before the XXXX of each month.My mortgage payment is current, but the calls are incessant from XXXX until after XXXX. 

I want these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Payday loan () with CURO Intermediate Holdings (OK).
Issue: Payment to acct not credited

Complaint: I had applied for a payday loan with speedy cash in XXXX. This loan was not paid back on time, so the lender turned it over to a third party collector. XXXX had several lenders that was trying to collect funds on behalf of other lenders I had payday loans with. Loan shop, XXXX ect ...., but I was told that all these lenders were paid on XXXX XXXX XXXX. Speedy cash is still reporting my account delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: After presenting name,. SSN, and Date of Birth the Experian system tells me they can not confirm my identity, and I have been unable to contact a human to talk with to try to find out why they can not confirm my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I have a timeshare with XXXX XXXX XXXX. In XX/XX/XXXX, my wife filed chapter XXXX bankruptcy which included the XXXX XXXX XXXX timeshare. We received a letter from XXXX XXXX XXXX timeshare that addressed both of our names. The letter from XXXX XXXX XXXX alerted us to stop payment on our timeshare due to the filing of bankruptcy in XX/XX/XXXX ( the month and year that the letter was sent out from XXXX XXXX XXXX ). XXXX XXXX XXXX are continually reporting late payments to my credit report, after they had informed us to stop payment and they are obtaining a payment from my wife 's Chapter XXXX bankruptcy. We have called several times to get this resolved but the late payments are still affecting my credit report. They are requesting a double payment from us even though my wife is making payment through my bankruptcy and even after XXXX XXXX XXXX sent a letter informing us to STOP making payments, due to Chapter XXXX filings. We misplaced the letter and requested that they send another one ; however, they have failed to do so. 

Is it legal for XXXX XXXX XXXX timeshare to request double payment after a spouse have filed Chapter XXXX and included it on their bankruptcy AND also inform us to STOP all payments on our timeshare, while continuing to report it late on my credit report? 

Please advise on how we will need to proceed. 

Thank you,

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Amex Express, has place fraud information on my credit report. As of XX/XX/XXXX, on 2 accounts I had with the company. One amount Account charged off. {$2800.00} written off. {$2800.00} past due as of XX/XX/XXXX. On the first account I had made arrangement to pay ever month and you can see in the example below, payment were being made on time after the arrangement was agree on by the company through a recorded conversation. At no point in the report it shows the amounts that were paid ' Account History : Charge Off as of XX/XX/XXXX Balance History : XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2900.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3000.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2600.00} / no data / Unknown / Unknown XX/XX/XXXX : {$0.00} / no data / Unknown / Unknown The second Closed. {$320.00} past due as of XX/XX/XXXX. Show the same fraud information by this company, all my payment were up to date and there were no late payment. <P/>Balance History : XX/XX/XXXX : {$510.00} / no data / Unknown / Unknown XX/XX/XXXX : {$470.00} / no data / Unknown / Unknown XX/XX/XXXX : {$430.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$350.00} / no data / Unknown / Unknown XX/XX/XXXX : {$320.00} / no data / Unknown / Unknown XX/XX/XXXX : {$420.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$490.00} / no data / Unknown / Unknown XX/XX/XXXX : {$530.00} / no data / Unknown / Unknown XX/XX/XXXX : {$910.00} / no data / Unknown / Unknown XX/XX/XXXX : {$75.00} / no data / Unknown / Unknown I will like the company to see there file showing the account was late at anytime?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Payday loan) with AAA Auto Title Loans, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling me at my place of employment after I told them they can not contact me there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my wife and I took out a {$20000.00} loan with XXXX XXXX. Sometime later XXXX took over the loan, then XXXX switched to Ditech. my {$20000.00}, XXXX year loan was up last month. According to Ditech still oweing {$15000.00}. we have paid almost {$52000.00} in XXXX years, at XXXX % interest. In XX/XX/XXXX we had to claim bankruptcy, Ditech does n't even acknowledge it. It 's plain to see the math will never add up! We were also forced to use their insurance, and they also had a escrow account of {$470.00} that was disbursed but to who or what we do n't know. I know I 'm XXXX of many complaints you have received. What am I to do? This is a mobile home fixed loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX is the creator of my current mortgage problem by giving my loan to SLS. 
The closing of my employer is also they cause of my financial problem right now. 
XX/XX/2008 I had a chapter XXXX bankruptcy but my house and my cars was not part of the bankruptcy I also informed SLS about my situation and request assistance they do n't respond attempt to assist me refuse to send me its impossible to get a hold of them when I call the customer service I get transferred to the tird party bankruptcy department and now without working out with me they want to take my home do to the all the XXXX was caused me it had a big tole on my health and I have XXXX and worring about my home is a big contribution to my XXXX I do n't want me and my family become home less but SLS is preparing that for us. 
SLS have such terrible rating that this is how they take peoples home refuse to help I am not allowing them to take my home period I need help now SLS is out of line

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 05/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I had student loans through XXXX in the past. Since then, my student loans have been consolidated. To my understanding, there is currently a lawsuit against them and I wanted to inquire if my student loans with them are effected. 

Thank you.

Company response to consumer: Closed with explanation