milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of XXXX, I cancelled my internet and cellular telephone service with XXXX XXXX because of their poor customer service. They bundled and unbundled my services too many times. On XXXX XXXX, XXXX, I checked my credit report and found a collection item from Central Credit Services. I called Central Credit Services and was told that I owe XXXX XXXX for my final billing. However, I called XXXX XXXX in XXXX and XXXX of XXXX to ask for my final bill and was told each time that my balance had been paid in full. On XXXX XXXX, XXXX, I called XXXX XXXX and was told the final bill was due to cellular phone charges in XXXX. I then called XXXX to verify that my cellular bill had not been paid. The representative from XXXX let me know that my cellular bill had always been paid, and I have a zero balance going forward. He also noticed that the service had been bundled and unbundled by XXXX XXXX many times. On XXXX XXXX, XXXX, I talked to XXXX in XXXX ( she was more than happy to tell me where she was ) from XXXX who told me that now I owe for a modem, too, so the bill is not only for cellular service but also for a modem. I do n't know how I leased a modem in 24 hours since I do not have service with XXXX anymore. I let XXXX know that I would be happy to give XXXX the documents I will be receiving from XXXX if they are willing to pay the {$5.00} fee I had to pay to receive them. If I would not have checked my credit, I would not have known about this account because XXXX XXXX gave the collection agency the wrong address, and I never received a letter from the collection agency to tell me the account existed. It needs to be noted that I gave XXXX XXXX the correct address several times both over the phone and on the company 's web site many times, but it was never updated. I tried to resolve this issue with XXXX, but she told me I had to dispute it through the collection agency. The collection agency told me I had to dispute it through XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In XXXX 2017, we noted fraudulent charges on my Bank of America business account, via our debit card. Since we were away on vacation, we were not able to immediately report the charges but did so within 30 days. The charges we done on XX/XX/2017 and XX/XX/2017. These charges were made at XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. The charges were of {$600.00}, {$560.00}, {$1000.00}, {$600.00}, {$250.00}, {$350.00}, {$7.00}, {$46.00}, {$700.00}, {$800.00}, and {$1700.00}. We contacted Bank of America about the fraud and we were told they opened a case. However, it took us calling 3 different calls for them to finally open a case. They denied the claim for various reasons. Finally, we were asked to prove that we were not in the XXXX, TX area when the charges were made and thus were fraudulent. We sent Bank of America all proof showing that we could not physically have made these purchases by showing the hotel room itineraries, flights, and more. Bank of America did not do their due diligence to get down to who committed the charges and just told me the case was closed and they will not do anything else. None of the stores were contacted or asked for proof.

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 monetary relief
Consumer complaint received 03/19/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (MO).
Issue: Loan modification,collection,foreclosure

Complaint: We have filed a complaint against our mortgage company twice on this website. The first time we got no response from anyone! This time we received a response from the President 's office of our mortgage company. To date, they have put us off twice already saying they are " researching our file ''. We have an attorney and have sent the required paperwork XXXX times for help and assistance.Today we received a letter from PHH 's attorney saying they are recommending foreclosure. No help and NO acknowledgement from them. Now more money will be tacked onto our account for their gross errors for their attorneys fees and that doesnt ' even include ours!!!!!! This game has to stop!!!!!! They take our money and give us NO credit to our account for it or they send our payments back to us. They say they are sending paperwork to us but do n't. They called and offered to allow us to pay {$720.00} a month and a reduction in principle, we agreed, then they never sent paperwork to us. Now they are not following through with that offer. They promised paperwork after a forbearance plan, no paperwork arrived. This is a big game to them but it has to stop now!!! This Bureau source has been no help to us so we are moving on up the ladder. This is a horrible injustice to us and others like us and has to end now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Billing disputes

Complaint: This will be another attempt to get Portfolio Recovery associates to remove the erroneous collection they have reported to the credit bureaus. They are stating that the account ending XXXX with a social security number ending in XXXX is being correctly reported. I have NEVER had a XXXX XXXX account nor does my social security number end in XXXX. It ends in XXXX. Can they please remove this ONCE and FOR ALL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2016 about Debt collection (Medical) with Child Support Recovery Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This seems to be a medical claim I had XXXX insurance companies and therefore no medical bill should be on my credit report this looks as if it was a XXXX for my son that did not go to the insurance company it 's being reported on my report as if it 's current it 's old and should have been billed to XXXX and united health care I do n't owe for this at all this is reported multiple times and re aged which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had service with att for home and wireless service on combine billing, my home bill part was approx XXXX per month and my wireless varied between XXXX and XXXX a month. After a while I had the home phone service canceled because I was not using and was not under contract for that. I kept wireless until XXXX of 2013 and then I canceled service and went with another provider. I received a final bill from att for XXXX which I paid in full. A few months later I check my credit report and there 's a collection on there for XXXX. I called att and they could not find where I owed them anything or where it was in collections. So I disputed with credit bureaus and they removed it. The collection agency then sold the collection agency to another agency and it showed back up on my credit report, so I dispute again and it 's removed again. So now it 's sold again and some company if systems has it on my credit report again and the bureau will not take it off this time. I have asked for disclosure of this collection and why I owe it and have not received it. I have no idea of how I owe this or where the amount came from.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: During the time that my mother was transferring the property to me, Nation Star broke into the house. At that time, the house was filled with personal belongings, specifically a lot of collectors items. After this break in, a lot of things were missing from the house. Nation Star ripped out wood floors, busted the ceiling open to get a safe that was hiding in the ceiling, and left the safe completely empty. 

After this happened, I called the XXXX XXXX Police Department and filed a report. When I went to the XXXX XXXX XXXX and Deed 's Office, the lady I spoke with said nothing was filed on this house that would give anyone the right to break in. She said that I needed to get an attorney. 

I called Nation Star and explained the situation. Nation Star did n't even know who owned the house and requested that I email them paperwork showing the house was in my name. After sending them the paperwork they requested, they gave me the lockbox code, were very apologetic, said they would write up a report of the break-in, and send me documentation showing that the lien was valid. Nation Star failed to provide me with the documentation I requested. They sent me a payoff quote and several emails with corrupt files that could n't be opened. They also never sent me the report of the break in. Nation Star went silent and I did n't hear back from them. I assumed this was because they realized they had broken the law by breaking into this house without following proper procedures. 

I decided to move forward with my plans to remodel the house and found a partner for the project. Then I quit claimed the house over to XXXX XXXX XXXX, a company I own, and XXXX XXXX. When my partner contacted a real estate agent, she informed us that the house was already foreclosed on and sold in a sheriff 's sale. I received no notice, no email, phone call, or letter in the mail. I checked the mail at this house at least twice a week and had a construction crew working on the house during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with Performant Financial Corporation (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Performant Recovery , Inc., Financial consultant in XXXX, Oregon # ( XXXX, using name XXXX ). 
Has called family members, friends and my employer. Aggressively stating they have important info to provide and that they obtained their ( my family and friends ) info from a some type of reference.

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 01-03-2018 about Debt collection (Credit card debt) with LENDING CLUB CORP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello Sir/Madam, Company involved : XXXX XXXX XXXX XXXX, XXXX XXXX, myself Issue : XXXX XXXX XXXX XXXX provide cosmetic service to their clients related to growing hair by selling service and products. I end up walking into their XXXX location where sales person describe me their service and asked me to sign formal agreement if i choose to continue with the service. I did sign document but realized with current medical situation I ca n't take chances with any chemical products provided by them. so i changed my mind and did n't visit their center at all. 

As per agreement they charging upfront approximate {$2000.00} amount to bank and Bank called me with payment of XXXX, with my dispute to them they gave partial refund and as per current statement I still owe XXXX amount ( interest included subject to increase with delay ). When Bank called me for XXXX amount, i asked bank i never got physical card under this agreement and you taking this service as credit service, can I see itemized amount of XXXX where it been used? Bank gave me lame excuse - " We cant provide details of the transaction " even i can login to the credit card statement. 

XXXX XXXX not giving refund of the credit line they opened with bank under my social security, and being as consumer i do n't have rights to know what 's going on with the credit line between Bank and XXXX XXXX. 

Please help me to resolve the issue, i did n't use penny service from the service provider due to medical reason, they did n't give full refund and bank asking me for payment with my question to them about transaction detail they could n't answer me back. 

I feel harassed, continued call from " XXXX '' with the lame excuse from them " they ca n't provide details on credit line transaction due some reason they did n't give me reason either. " Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The original creditor Hospital is closed. Reporting on 2 credit reports as different names and amounts but both reports show the same address as the debt collection agency. Sent Hippa Validation letter never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: have mailed in payment 4 times and paid exactly the amount they sent in writing. Have been trying since XX/XX/XXXX to pay. also sent in copy of my account from the website. they sent every check back because the amount was slightly different from what they claimed. the amount always changes. then asked for a detail breakdown of exactly what is owed. what they claim as detail is not clear- is not a clear breakdown of exactly what is owed. see attachments for their last letter- is not a clear breakdown. copies of prior payments also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I purchase a sofa set in XXXX I looked at a sectional an set on I order sofa love seat got it when I set on it I sinks so low that I am setting on the frame I called and called final after XXXX weeks of waiting on a call I went explain they sent some one to the house .he offer me more pillows saying that it sink and that it is far back an he will go into the office do a report. since XXXX XXXX I been waiting calling and no reply they let me inquire about a new couch but I am still waiting I understood I have seven days but I called an had to wait to go there I am making my payments for a sofa I do not set on I ask for an exchange in I upgraded still waiting. I went to value city purchase XXXX received it XXXX XXXX called XXXX XXXX waiting on call went in supervisor in meeting XXXX hr called a XXXX called me I went in XXXX XXXX explain they decided I have to wait till inspector come out he did I made inquire still waiting as of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: No record found of account when company was notified. XXXX has already removed tradeline from file.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 did not authorize the following inquires. 


1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Do not know where this supposed debt originated

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 10/24/2017 about Debt collection (Payday loan debt) with BlueChip Financial (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In 2015 I fell victim to an online payday lender, XXXX. This company is owned by the Blue Chip Indian tribe and was a scam. Neither XXXX or Blue Chip are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named XXXX XXXX XXXX - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of XXXX XXXX XXXX. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: called on friday XX/XX/XXXX and spoke to a representative, before he humg up on me i explained to him that i never consented to any hard inquiry for any card, i never signed an agreement, or understood any agreement that may or may not have been acknowledged on my behlaf

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the information you listed on my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status

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 03/24/2017 about Debt collection (Medical) with Account Recovery Specialists, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent a certified letter to the company in question to verify and gather other information per the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and they have stated to me that they are not required to provide any information that is required.

Company response to consumer: Closed
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notice of collection from a XXXX XXXX, and called to agency to dispute the validity of the debt. I advised the agency of the inaccurate information they were attempting to collect on. I advised the agency the information obtained from the creditor XXXX was invalid and to not report on my credit file until they could prove validity and accuracy of the information being collected. The debt collection agency never proved validity of the account to me either on the call nor in writing. XXXX XXXX has began to report and attempt to collect on an account that was verbally disputed. I contacted the creditor and was advised the agency - Convergent should not have reported anything to the credit bureaus due to arraignments set with XXXX. This agency is participating in unethical and unprofessional debt collection practices and is in violation of the FCRA.

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 02/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Great Lakes Borrower Services, GreatLakes.org appears to be altering Auto Pay plans, and using my yearly renewal of Income Based Repayment plans as an excuse to disrupt my payment schedule, collect more interest, compromise my payment record, and in the end disqualify me from income based repayment benefits. 

Their auto pay system updated my scheduled plan to skip two months of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation