milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO RC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX ADDRESS XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My bill was never the right amount for each month, it steady kept going up rather than the amount I signed up for. 
XXXX : XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I  'm on an fixed income and i 'm not able to pay the balance. I keep getting harasst from these two phone companies on a daily basis. 
I was told that my bill would n't be on my credit but it did. 

here is the address from the debt collectors AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: An account on my equifax report has been disputed twice once last year and again in XXXX of this year and it is for XXXX XXXX XXXX. The company either never responded to the dispute of equifax did not reflect any changes to the account. It still shows n/a for amount and date of last payment but shows I was over 90 days late. If the creditor did not reply within 30 days to validate the debt from the credit bureau then it should have been removed a long time ago. I would like for this item to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Payday loan) with Integrated Recovery Services (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Rewards

Complaint: My credit card, issued by Barclays Bank Delaware, gives XXXX XXXX reward points as an anniversary benefit. It was supposed to be accrued by XX/XX/2016 but did not happen. I complained multiple times through their messaging system but no positive response was given. Because of this delay, my account balance ( XXXX points ) at XXXX was also forfeited.

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 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have contact Navient and the company has not been very helpful. First, I enrolled in school so Navient placed my account in deferment without my permission or my request. Navient could have contacted me and asked if I wanted to be placed in deferement but they did not. This was not helpful because I am currently in a program and if my account is in deferment, my payments does not count towards my 120 months of payment, making my time in the program longer. Navient has not provided me information or clarification on how my account balance has grew from {$87000.00} to {$100.00}, XXXX. I do not know how, why. or when the balance on my account increased and my account history does not reflect the changes or increase. That is a problem because as a consumer, I should always be aware of the changes happening to my account and I never received a notification or update stating my account balance has increased. Navient has failed at educating me on why these changes have happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Ditech, Financial has repeatedly charged fees that are unexplained fees without adequate explanation. They refuse to speak with me regarding this matter. I am executrix of an estate and have tried to continue the mortgage payments as instructed until the Probate process is done. Letters of Testamentary and other info as requested has been forwarded to Ditech, but they constantly say they do not have the information. However, they accept my checks. Letters from them are confusing and contradictory. Their actions are unsavory and they refuse to cooperate effectively. 2. I am requesting that the account is reconciled to reflect accurate charges immediately. 3. I have several correspondence from Ditech that states late fees, delinquences, content that states changes/adjustments. However, this information is not definitive and change with the next correspondence. 4. Ditech does not adequately sevice this loan. 5. This company shows all indications that their means of operation is illegal. One can not make demands or threats, if they have not adequatly explained what the customer needs. This company is the same as Green Tree that was sued. Ditech should not be allowed to operate period. All monies need to be returned or at least waived until the account is fully corrected and correctly operated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is a copy of an email sent to XXXX XXXX of US Bank regarding payment inaccuracies form US Bank. There is no details of what makes up a payment, for interest and principle. Late fees are added in random and reversed. You can see that a payment was made and late fees are added. I am concerned about loan fraud, excessives fees applied and not sure if anyone knows if one can be overcharge for this loan. A audit of the US Bank may be in order. 
Hi XXXX, I wanted to give you an update on this matter. I received a call from US Bank Operations yesterday, I believe XXXX was her name. She called me to information that my XX/XX/XXXX payment will be {$120.00} since this was quoted to me in writing. She was also going to work on the late fees and getting me details at the branch so I can see the information. This was reassuring. 

However, today I went to make a payment was told that the amount due for XX/XX/XXXX is {$240.00}. No information was shared with the branch office of US Bank. I was told that paying less will result in late fees being assessed. Again this is a mess as information is not shared nor updated. I asked XXXX XXXX and he is powerless as he did not know. He also said that he is out of the picture on this issue. Hmmmmm. where can I get help if the branch office is out of the picture. 

I have attached the receipt, screen shots of XXXX 's computer to show that he is not able to share details of makes up the payment and account history. I only included the recent months. As you see, there are the late fees and payments made. Please note that there is a {$25.00} service fee applied and then a reversal. Why is that? 

XXXX, this is very concerning for me who is not sure what is owed. It also speaks loud of possible payment inaccuracies, random late fees being applied as payments have been make and really does anyone know if the system is accurate. I will be filing a CFPB complaint so they can see what is going on and get this addressed. Please help!! 

Kind Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: hsbc needs to clear this off my cr report, this was settle since 2011,

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wrote to SYNDICATED OFFICE SYSTEMS about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation of debt that this was my account I never owed this debt with them. They have never sent me validation that I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me. I have never had or opened an account with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Taking out the loan or lease

Complaint: The payments on my loan are supposed to be slightly lower as I was supposed to have an additional XXXX down, the sales manager at the dealership was trying to pocket the money for himself so was unable to do so. I purchased the vehicle on XXXX XXXX, the sales manager said I was putting a total of XXXX down but would only show XXXX and to give him the XXXX difference in cash. I realize this is not an error on end of BMW Financial, however, they should be willing to adjust payment amount if I can put the additional XXXX down as planned. Complaints have been filed directly against dealership, BMW of XXXX XXXX, directly however, not resolved. The XXXX ( XXXX ) has a complaint against them. The sales manager, XXXX, is a very shay individual and was trying to get me to give him XXXX in cash for his pocket and told me not to tell anyone as we 're supposedly " blood brothers ''. My intent was to put XXXX down towards the loan payment

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whon it may concern. I had a XXXX XXXX in XXXX I was very happy with that and now I have a new XXXX XXXX XXXX. I took out my credit report and I was all shocked. seeing a late payment on the XXXX XXXX XXXX when I called them they told me I was 60 days late .I told them that I never got any letter in the mail they told me you have to know without getting your statement in the mail. But I was paying online auto pay and how should I know that the payment did n't went thru with out getting a letter in mail. Then I went to toyota financial They ignored it. Please help me They should take down the negative late payment from my credit report as soon as possible because i never got any letter or email that the payment did n't go through how in the world should I know to make a payment thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX I did apply for a loan # XXXX with Citibank on XX/XX/XXXX before I apply fir the loan they gave me a pre-approval letter stating they will approve XXXX anyway I did find a condo I did want to buy in XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX.with the closing day in XX/XX/XXXX the bank requested a lot of documents with I did provide they did have long time to decide to approve or denied but this took that long either they did not responded about the loan was declined until XXXX/XXXX/XXXX with the expectation that was going to be approved but was denied.that caused me to the seller get upset and try to keep the earned money which was so unfair to me after expending so much money I had to hire a lawyer just to get my money, lawyers expenses {$500.00} earnest money the seller kept {$900.00} extra expenses homeowner application {$150.00} inspection {$190.00} papers {$150.00} I want to the bank be responsible for all damages caused me plus stress and waisted my time The people who worked with me were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 01/20/2016 about Consumer Loan (Installment loan) with ATG Credit, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Managing the loan or lease

Complaint: I took out a loan from Big Picture Loans in the amount of {$1000.00}. I was told the finance charge would be {$350.00} for a total of {$1300.00}. I did not see the documents until after I signed. This is apparently not the case and the interest is in excess of 800 % with a bi-weekly draw on my bank account of {$350.00}. I was also told I can not stop ACH as I agreed to ACH in the agreement. If I revoke ACH, BPL states they have the right to present electronic checks to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted regarding an account for a debt that is not mine by Convergent Outsourcing, representing XXXX XXXX for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, Convergence Outsourcing/ XXXX XXXX XXXX the following violations of fair debt collection practices : 1. Representatives from XXXX XXXX, XXXX, or Convergent Outsourcing contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over 8 years old. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from Convergent Outsourcing repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - Convergent Outsourcing also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with Convergent Outsourcing insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over 7 years old to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over 7 years old. 
These issues will be reported to the consumer finance protection bureau. Any further

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with SYNCHRONY FINANCIAL (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have completely paid off a retail account that was for a piano with Synchrony Bank XX/XX/2016. However Synchrony continues to report this bill as 90 days late with a balance remaining of {$1000.00}. This account has been paid down and off from an original balance of {$20000.00}. I have even received the paid off retail contract from Synchrony and release of lien on the XXXX Piano, but Synchrony is not reporting this to any of the credit bureaus.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My identity may have been compromised in the Equifax hacking. This is incredibly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: The XXXX credit card was offered to me and I said no I just want the XXXX card. I was sent the XXXX card instead even though I was assured that I was getting simply the XXXX card. After using the card for a couple months, I purchased some text books at XXXX University's Bookstore. The charge never appeared on my statement for 2 months and I received XX/XX/2012 and XX/XX/2012 statements with zero balances. Then, on XX/XX/2012 statement XXXX charged me a late fee and finance charges for the purchase made back in XX/XX/2012. I told them I had XXXX statements XXXX with a XXXX balance and they said sorry. I was so upset I paid off the charges and closed my account. I initiated a dispute with www.annualcreditreport.com for these incorrect penalties and how it negatively impacted my credit reports and significantly lowered my credit scores but they have not finalized a response. They sent me a email stating they were investigating the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: A fraud alert was put on my account without my knowledge. I was in fact a victim at XXXX time of XXXX however ; I have requested in writing to all major credit bureaus, Equifax, XXXX, and XXXX XXXX that the fraud alert was preventing me from get instant credit, credit line increases and etc. I requested for the XXXX time XX/XX/XXXX that the fraud alert be removed immediately. I never received any response. I tried to get a credit line increase with XXXX XXXX Department store and was told that I needed to contact Equifax because they had an alert on my credit file until XX/XX/XXXX. After complaining some years ago, it was taken off however but put back on in XX/XX/XXXX. I am asking that this fraud alert be taken off of my credit immediately.

Company response to consumer: Closed with explanation