milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with Select Resource Group (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: the company that called me left me a voicemail indicating they will freeze my assets and bank accounts and contact my employer to to collect funds from my paycheck.   The company is called " SRG ''. Called and spoke to a gentlement who asked me if I was  XXXX   XXXX  and to said the last for of my social security account. He then went on to indicate this is reference to a  XXXX   XXXX  account. I said that was  discharged  in my bankruptcy and is no longer on my credit report. I advised him this is the second call I received in a month. He said he just received or was outsourced this account info. I tried to give him my lawyers number and he said no never mind I will transfer to our bankruptcy department.     The voicemail left was threatening. I received a prior call in such manor about this  XXXX   XXXX  account which is closed. I contacted  XXXX   XXXX  personally and they said they do not have anyone outsource to collect any money for my account is closed.     Thank you  XXXX  number that they called me from :  XXXX  I will save the voicemail too

Company response to consumer: Untimely response
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Over 45 days ago, I sent a request to XXXX  and Trans Union asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.

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 10/16/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Account Type Date Opened Credit Limit Balance Reported ByXXXX/XXXX Credit Card XXXX XXXX, 2015 {$9000.00} {$0.00} EquifaxReview your credit report accounts for accuracy. 

This is fraud and identity theft as I never authorized this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland funding is not the original the original creditor and they are attempting to collect on debts that are WAY past the statue of limitations for the original debt. If this is not against the law it should be. I did not sign a contract with Midland or any of it affiliate to pay them, so why are they able to submit to the credit agency 's as the the original debt creditor. How are they able to submit this when the original debt is WELL past the statue of limitations for this kind of debt?

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Rewards

Complaint: I applied for the card and was approved, however shortly after that my account was shut-down by the verification department and they requested I supply XXXX, copy of social security card, and state ID. I furnished those documents. The reps at the department re-opened my account however that was after the 90 days of account opening which I was not able to earn the XXXX bonus points offer. I meet the purchase requirements and I would the bank to steps in understanding the situation and correct this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Credit Adjusters, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt ; I never attended this college

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am very upset on how the school and lender lured me into applying for personal loans vs applying for another type of aid. I was told since I had perfect credit I needed to apply for personal loans and that is how I was going to be able to attend school. This has affected me deeply since I am not able to work out a flexible repayment plan and has affected my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report

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 09/15/2016 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking out the loan or lease

Complaint: I am aware of what this credit card debt is and it is well over 7 years old, which is well over the statute of limitations for debt collectors to collect this debt. It 's so old it should no longer be reported on my credit report which is causing me financial harm and XXXX in trying to get a home mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SLS promised me a loan modification, but before receiving a permanent modification plan, I had to enter a trial period payment plan under the Home Affordable Modification Program, I was promised that if I made the trial payments on time, the foreclosure judgment on my house would be cancelled. After making my last trial payment, on time, I received a letter from the court stating that my house will be put on sale to the highest bidder on XX/XX/2016. ( letters attached ). 
Again SLS has lied to me and my family, just when we thought he had finally reached an end to this nightmare, it looks like to me, the nightmare have just begun. please help!

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 12-12-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Carrington Mortgage Services ( XXXX ) by XXXX. I had never heard of XXXX before. I had only received XXXX piece of mail from XXXX, and my payment was coming due, so I called XXXX to determine how to pay my bill and if it would be automatically drafted as it was at XXXX. They said the auto payments would NOT continue and I could n't set it up online and that I would have to fill out a form to authorize XXXX to pull the money on a recurring schedule. I made XXXX XXXX time online payments for XX/XX/XXXX and XX/XX/XXXX. Right after I made the XX/XX/XXXX payment on XX/XX/XXXX, I got a notice in the mail that they were going to auto-draft my payment on XX/XX/XXXX. I called them and asked them to cancel this, since I already made a payment. Also, I never sent in the form to authorize payments, but they said XXXX had sent the info to them ( is this LEGAL?!? ). The lady said she would cancel it as all they needed was XXXX business days to cancel it. Well, on XX/XX/XXXX, the payment was pulled from my bank account. I called them and asked them to refund my money immediately. They said it would take up to XXXX business days. I asked to speak to a supervisor, and I was transferred to a " senior specialist ''. I asked him if he was a supervisor and he said no. After speaking with him for a few minutes, I had to ask for a supervisor as this " senior specialist '' could not give me hardly any new information than the previous rep. 

I FINALLY spoke with a supervisor named XXXX ( ID XXXX ). She informed me that I am XXXX of XXXX clients who made double payments ( when in reality, I made XXXX payment, and they essentially stole money from my bank account without my permission ). She also mentioned that they " do this all the time '' ( meaning they buy mortgages ). It 's hard to believe they do this all the time, yet have no clue how to service these clients or accounts. This is a MAJOR error on their part. 

She said that she has to tell me it could take up to XXXX business days but will likely be less. I told her I work in the financial services industry and a standard ACH takes no more than XXXX business days. She said because they have to use an outside bank, it takes longer, but that my request has been expedited. And still with it being expedited, she could only give me a 15 day timeline. 

The customer service was terrible. They gave me wrong information on XXXX occasions - a. They told me my payment would not be auto-drafted b. They said they would cancel the auto-draft since I made a manual payment based on their previous information. 

It 's a shame they are stealing money from people right before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Auto) with Henley, Lotterhos & Henley, PLLC (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I did not know that I was being sued by XXXX XXXX back in XXXX, until XXXX of XXXX. They claimed they served me with papers, but had the wrong address on file. I learned of it when my previous employer XXXX received a writ of garnishment of {$11000.00}. My wages were garnished starting on XXXX/XXXX/XXXX and I received my last pay check with them on XXXX/XXXX/XXXX. At that time, {$9900.00} had been deducted and sent to the law firm of Henley, Lotterhos & Henley. According to my previous employer, learned yesterday, that I had a balance of {$1400.00} to be garnished when I left the company. I did not work for a while, went back to work a year and a half ago. 
Yesterday I received notification from my current employer XXXX XXXX XXXX, that they received a writ of garnishment from Henley, Lotterhos & Henley stating my wages are to be garnished in the amount of {$13000.00}. I have a copy of what they submitted to the XXXX XXXX XXXX XXXX in XXXX asking for the same amount. I finally got in touch with the law firm, they put me through to XXXX XXXX XXXX. He stated the original garnishment was over $ 19XXXX and that I owe the {$13000.00}, that my previous employer must be mistaken. I was very honest with him, told him I could not lose my job over this, that I wanted to work something out with him. He asked me how much I made, I told the truth, after that, he does n't work with me on settling unless I give him a lump sum of XXXX and will not agree to take less than 25 % until he sees what my garnishment would actually be. He was not nice and would not agree with anything with me once he found out what I made. I have a daughter in college, paying for everything, including student loans, her father does nothing for her. With all of my bills and living expenses, I can not afford 25 % of my income to be taken away. He is so money hungry that he will not discuss anything else with me until he sees how much they will received from my garnishment. He actually hung up on me stating to call back after they receive my first garnishment. I have had some very hard times, and have worked so hard to get back on my feet. This company only wants to bring people down. I am not trying to get out of my responsibility, I am trying to settle a reasonable amount and not have my wages garnished. I can not lose my job over this, and it could very well happen, I do work in an at will state. This law firm needs to be investigated, they refuse to help people, they want to take more money from them so they can not survive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (WI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My account is not being updated. I use a app called XXXX XXXX and the bank is n't updating my information. It 's saying my account is negative but it 's not.

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

Complaint: Equifax had a security breach that resulted in my personal information being at risk. I am very worried about my information and am now trying to setup a fraud alert, and Equifax is down for maintenance? This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: There is an inquiry from XXXX XXXX that was n't authorized by me. I 've written Experian on XXXX XXXX, 2017 concerning this. They 've made no remedy for this inaccurate reporting as the inquiry remains on my report unauthorized.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The below is the email I sent to the company, but the supervisor, XXXX XXXX implied it was not likely going to be removed. 

Dear XXXX XXXX XXXX, RE : Invalid Inquiry and request for immediate removal of the same. 

I appreciate you removing the unauthorized inquiry on my credit report listed below. In the event Equitable Acc did have the legally required signed authorization to make this inquiry, please forward it to me immediately. 

I 've never done business with Equittable Acceptance, and do n't intend to in the future. As per our discussion, my ex-wife did do business with this company, but we were not married at the time ( divorced for past XXXX XXXX ) and would not have given Equittable Acceptance authority for access to my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( Direct ) New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type New Inquiry Processed Date XX/XX/2017 Inquirer Name EQUITABLE ACCEPTANCE Phone Number ( XXXX ) XXXX Industry Type Finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with Midwest Recovery Systems ().
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an alert on my XXXX credit report that a collection was added on XXXX XXXX, 2017. The  company is Midwest Recovery System and the amount is {$430.00}. I have never heard of this company have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit report immediately and be given the opportunity to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: For more than 6 months, I have been attempting to obtain information from the mortgage servicer, Nationstar, to confirm whether all charges to the account are justified. I have received the same responses, over and over, without anyone ever actually taking the time to answer my very specific questions. I am attaching just their last letter to me, and my most current response. I have correspondence going back to XXXX of 2014, but the most recent letters will give you a flavor of what is happening. They refuse to justify legal expenses, inspections ( some of which are on the same day or just days apart ), alleged repairs to my property, and other items. They say that the information requested " does not pertain directly to servicing of the loan, does not identify any specific servicing errors, and/or is considered proprietary and confidential. '' The entire process is intended to ascertain the actual amount due and the actual owner and holder of the note and mortgage so that I may initiate a short-sale. I will not initiate a short-sale until I know the amounts which will be demanded.

Company response to consumer: Closed
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Debt collector calling my place of work and home and a distant relative many times after they were told not to call back I have a XXXX child and they call non stop Today X/X/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MO).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX, we were pre- approved by US Bank for a Motgage loan of up to XXXX, We were wanting to see if we could buy a house where I boy XXXX, after the approval we found a home for XXXX called the bank got the paperwork started and on XX/XX/XXXX, everything was approved and we actually signed paper work and the appraisal was ordered, they had called my insurance company on XX/XX/XXXX, to get insurance coverage. They emailed me XX/XX/XXXX to get drivers license copies which I know is down to the final closing part, and bank statement copies to verify closing costs, on Thursday XX/XX/XXXX, I had called to get a payoff to move my business loan to another bank. On that next Monday, I received an email saying they could n't do the loan, reason debt to income ratio, I actually took all info to another bank and they had said our income to debt ratio was well within the guidelines, I actually later found out the appraisal was cancelled at XXXX XXXX on Friday XX/XX/XXXX and also had found out that US Bank owns the appraisal company there. We believe the appraisal had already been done but they worked the paper work to say it had been canceled.

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 08/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage with Nationstar from Texas, recently I have been notified that I owe more than {$12.00} XXXX in back taxes and they want to foreclose my home. I have been paying my mortgage normally without any trouble in the last XXXX years. It seems that they have not observed carefully that it were more taxes to be paid througout this time, now the county where I live have send me a notice to foreclosure and I am in the pool for the end of the year auction

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX I became aware of a {$400.00} collection action on my Transunion credit report for a debt that was not mine. I disputed the issue to TransUnion without success. I complained to the XXXX Office of Consumer Protection and the collection action was removed based on a response from the vendor, XXXX XXXX XXXX, which I have attached. 
In XXXX I became aware that the same {$400.00} debt was back on my Transunion credit report under a different collection agency. I complained to the Office of Consumer Financial Protection ( Case Number XXXX ) and received a response from the collection agency ( attached ) that the debt is not mine and that a different name is on the account. 
I noted that a name I have never used, XXXX XXXX, is listed on my Transunion credit report. This is an error I believe arose from the erroneous collection action in XXXX and it should not be on the report. 
I need the {$400.00} collection action removed from my Transunion credit report. I also need the incorrect name, XXXX XXXX, removed from my Transunion credit report.

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 08-05-2015 about Debt collection (I do not know) with CITIBANK, N.A. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: One Main Financial has been calling our office XXXX times a day for several weeks trying to contact one of our employees. This particular employee is not located at our office. They have been rude, threatening and said they were sending the police and their lawyers after us. I have told them politely on numerous occasions I will not give them any personal information regarding our employees. This is an employee personal matter and has nothing to do with our company. They have pushed my patience and I have been insistent they stop the disruptive, harassing calls yet hey do not.

Company response to consumer: Closed with explanation