milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2015 about Debt collection (Credit card) with Allied Interstate LLC (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number has called me XXXX times a day. When I answer no one is there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i have a report of a account on my credit report the name is XXXX XXXX XXXX for a loan I did n't open this account and it 's not mind

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (HI).
Issue: Loan servicing, payments, escrow account

Complaint: WE SEND ( XXXX ) ACCEPTANCE FOR VALUE AS A REMEDY FOR SET-OFF OR DISCHARGE OR PAYMENT AS ANINSTRUMENT TO PAY THE MORTGAGE. EXEMPT FROM LEVY AND CHARGE THE SAME TO OUR NAMES. XXXX ORDER / DATE/USING OUR EXEMPTION IDENTIFICATION NUMBER. I IT WAS MAILED VIA CERTIFIED MAIL WITH RETURN RECEIPTS. IT WAS DONE USING OUR CHARGING SHEET. WE HAVE RECEIVED THE RETURN RECEIPT SINGED. XX/XX/XXXX WE MAILED. THE BANK/OR MORTGAGE CO. RESPONDED WITH THEIR LETTER AND WE RESPONDED TOO ALONG WITH OUR LETTERS THE WE RETURNED THEIR LETTER USING THE WORDS ACROSS IN DIAGONAL WAY : XX/XX/XXXX HOUSE JOINT RESOLUTION XXXX NEXT LINE IS BANKRUPTCY COURT OBSTRUCTION PROCEDURES, BELOW IS ; OF ADMINISTRATION DEPARTMENT AGENCY OFFICIALS..ALONG WITH OUR PETITION CERTIFIED/REGISTERED FILED STAMP AT ATTY. GENERAL AND IN THE BUREAU OF CONVEYANCE ALONG WITH OUR AFFIDAVITS. THE BANK DID NOT REBUT THE AFFIDAVIT BUT CONTINUE TO SEND LETTERS WITH THEIR OWN OPINIONS..WE ARE FILING XXXXLIENS ON OUR PROPERTY ALONG WITH OUR PETITIONS..TO THIS DATE THEY REFER OUR LOANS TO HOMEOWNER 'S ASSISTANCE CENTER TO THEM WE ARE IN DEFAULT PAYMENT. THAT MEANS THE BANK DID NOT BALANCE THEIR BOOKS THE DEPOSIT ( XXXX ) THAT WAS OFFERED AS A GIFT TO SET-OFF MORTGAGE BALANCE.THE TEL.NO. IS XXXX -- XXXX THE LAST LETTER WE RECEIVED. SO WE WANT CFPB TO INVESTIGATE THIS MATTER .AND WE WANT TO DISPUTE ANY NEGATIVE REPORTS FOUND ON OUR CREDIT REPORTS BUREAU 'S : XXXX XXXX ; XXXX XXXX EQUIFAX XXXX OUR FICO SCORE WILL BE AFFECTED TOO.IF ANYTHING FOUND AND REPORTED. ( I AM STILL REQUESTING MY CREDIT REPORT AT THE BUREAU ). WE HAVE THE RIGHTS TO BE PROTECTED AS CONSUMER, WE HAD FOLLOW THE LAW XXXX- XXXX LIENS THAT A REMEDY IS AVAILABLE BY LAW. ALSO, IF ANY WHO VIOLATES THE LAW WILL BE PUNISHED UNDER TITLE XXXX SECTION XXXX IS A COPYRIGHT INFRINGEMENT FOR USING OUR NAMES TO PROMOTE BUSINESS WITHOUT OUR CONSENT/PERMISSION.UNDER ARTICLE XXXX XXXX XXXX XXXX A HUMAN RIGHTS VIOLATION/ XXXX XXXX AND WILL FACE LIFE IMPRISONMENT OR DEATH SENTENCE IF FOUND GUILTY. HOPE CAN FIND HELP HERE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX  formally  XXXX  had closed my account around  XXXX , this was done at my request. To my surprise, I attempted to open an account with  XXXX   XXXX   XXXX   XXXX  in  XXXX    XXXX   and was told that  XXXX   XXXX  was reporting an owed charge. I went to  XXXX   XXXX  and was told that when they were  XXXX , a merchant had charged my account for around {$120.00} despite me having cancelled the automatic withdrawal. Strange also was the fact that despite this 'charge ' I was allowed to close my account at that time without any issues so this was a big surprise several years later. Nevertheless, I paid the {$120.00} to  XXXX   XXXX  around  XXXX    XXXX  . I have been going back to  XXXX  ever since only to be consistently told that despite them seeing that  XXXX   XXXX  no longer says I owe anything, it is still showing up with Transunion. This is preventing me from opening an account with Transunion. Upon contacting Transunion, they keep saying it is cleared and 'they do not know ' why it is showing up. I think I have done all I can and do not know what more to do and it has been over 7 months.

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 09/18/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Never lived in MD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Debt collection (I do not know) with The CBE Group, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I registered my phone number in 2010 and have been receiving calls from debt collectors ever since regarding debts owed by someone named XXXX. I have asked repeatedly for them to stop calling me, but they have not. I have asked who is calling or for more information, but they refuse to disclose. The most recent number to call me was XXXX, which I have traced to a debt collection agency called CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing

Complaint: Before signing up for the Chase Sapphire Preferred card, I spoke to a Chase CC specialist who informed me the annual fee would be waived for the duration of my schooling since I had no active income. I procured the card and have made full, on-time monthly payments for over one year. I was charged the annual fee thus XXXX XXXX and spoke with a CC specialist and a manager today. The manager informed me ( 1 ) there 's no notation of the agreement on my chart ( which makes sense because I called before I had an account to confirm this was possible ) ; and ( 2 ) " that person ( who confirmed the waiver ) is probably not working here anymore ''. Both of these points are beyond my control and do nothing to address the fraudulent way I was convinced to apply for a credit card. When I mentioned filing a XXXX report, the manager told me to write a letter to the Chase Bank Executive Office, but that a waiver would be impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Private student loan debt) with First Associates Loan Servicing LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested to have a private student loan from  XXXX  /1st Associates Loan Servicing (    XXXX   ) in the amount of {$1700.00} in order to take a  XXXX   XXXX    XXXX   class ( course code :  XXXX  ) through  XXXX    XXXX    XXXX  College. I was enrolled in the course on  XX/XX/XXXX  and approved for the loan through  XXXX  /  1st Associates (   XXXX   )  on  XX/XX/XXXX . On  XX/XX/XXXX , a few days after being approved for the loan, I contacted  XXXX  / 1st Associates (  XXXX  ) and advised them that I decided not to take the course through  XXXX   XXXX  College and that I needed the course cancelled/dropped. I asked both the  XXXX  and 1st Associates (   XXXX   ) representative to cancel the loan I was approved for through them, being that I had no need for the loan because I cancelled/ dropped the course ( which I never took or started ). I was told by both the  XXXX  and  1st Associates  (  XXXX  ) representatives that the loan would be cancelled. As of today, the loan has not been cancelled as promised and they are reporting a delinquent status each month on my credit report. I have tried numerous times to get this issue resolved with  XXXX  and 1st  Associates (   XXXX   ),  but I keep getting the run around, both pointing the finger and referring me to the other. Neither has provided help in getting this debt removed from my credit report. Earlier this year around  XX/XX/XXXX , I spoke to  XXXX   XXXX , Collections Supervisor at  1st Associates Loan  Servicing about this issue. He told me that he see in their notes where I requested to have the loan cancelled, but he has done nothing to assist me in getting this debt cancelled and removed from my credit report. He keep referring me to  XXXX . I spoke to  XXXX   XXXX , Admissions Representative with  XXXX  as instructed by  XXXX   XXXX . I explained to  XXXX   XXXX  that I spoke to him in  XX/XX/XXXX  and asked to be dropped from the course and have the loan cancelled. He stated that he see in his notes where I made this request. During my conversation with  XXXX   XXXX  in  XX/XX/XXXX , I was told by  XXXX   XXXX  that  XXXX  do not handle or finance loans, this is handled by 1st Associates Loan Servicing. I really need help with getting this issue resolved and having this debt removed from my credit report. Neither  XXXX  or 1st Associates is willing to make right on this issue. It seems as if  XXXX  and  1st Associates is  operating under shady practices and they are fraudulently reporting incorrect information to my credit report each month and have refused to assist me in getting this resolved. I have recently tried to cont act 1st Associates Loan Servicing but th e phone number is no longer is service. I am not sure if they are out of business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I requested Wells Fargo & Company cease sending me unsolicited marketing and account messages after my account was closed nearly XXXX years ago. Wells Fargo & Company acknowledged these requests and stated that I would no longer receive such emails. 

However, Wells Fargo & Company continues to send me unsolicited mails in violations of California Law and Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Emails from Transunion that are unsolicited and attempts to stop them on line fail and attepmt to have Transunion stop them by telephone call I am told they have no control over them and I must do that on line.

As I say the online 'unsubcribe featuer in the email do not do anything but time out.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am profoundly disappointed with how Equifax has handled reporting this breach to me and other consumers. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover news about the breach via social media and word-of-mouth. 

This breach has cost me several hours of time and money to freeze my credit and financial records with four different reporting bureaus, including Equifax, XXXX, XXXX, and XXXX. Furthermore, this breach will continue to cost my time and money for unfreezing reports and possibly disputing any identity theft or fraud as necessary in the future. 

This is an undue burden from Equifax, a company that I have never voluntarily chosen to do business with ; they are merely a vendor of my financial vendors and creditors. 
Please take prompt and decisive action to ensure that I and others are compensated for Equifax negligence and ensure that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In XXXX of this year I received notice to re-certify my enrollment in the Income Driven Repayment plan through Navient. In early XXXX I sent in the documentation for myself and my husband, who was unemployed at the time. A couple days prior to the XXXX XXXX deadline I called to confirm the application had been processed. At that point, the customer service rep informed me that the signature page did not come through properly. I confirmed that everything else looked fine and was in order, and that evening uploaded the application signature page to the company website. About 2 weeks later, I call again to confirm that the application has been processed, only to learn that now they had an issue with my husband 's income documentation. We submitted his Virginia XXXX XXXX XXXX letter, which show the gross dollar amount, the effective start date, the number of payments and the effective end date. This is the official document the XXXX of Virginia sent to my husband. After this was explained, the customer service rep said they would note it in the file and submit it for expedited processing. I called back on Tuesday XXXX XXXX to check the status, and it still had not been processed because this question around my husband 's income documentation. I asked to speak to a supervisor, and got XXXX, who after we explained everything again, agreed to escalate the issue and would get back to us in 24 hours. Today is the XXXX, and we had not heard back from her, we have called again to try and reach her but only got a rep who said she would inform XXXX that we called and let her know to contact us back. We are concerned because I have been told that the XXXX of XXXX is the final day to get this processed so that we are not paying the non-IDR rate. Without the plan my monthly payment goes from approximately $ XXXX to over $ XXXX. This is not affordable for us.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We have a XXXX mortgage on our home and it is a balloon loan that is due in 2017. We are attempting to pay an extra {$500.00} in addition to our monthly payments of {$120.00}. but our mortgage company Ocwen keeps applying a monthly fee to the {$500.00}. extra payment. I wrote " For Principal Only '' on the check and checked the box on the statement for principle only. Our statement shows that we are only paying {$370.00} on the principle and we are several months ahead in our monthly payments. They are trying to make it very hard to pay off the principle, Can you help us? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Chase bank re-orders transactions to allow their systems to charge overdraft fees. Additionally, Chase uses unfair business methodologies to charge fees to their customers and make poor situations worse. I was charged over {$2300.00} in fees in XX/XX/XXXX and over {$800.00} in XX/XX/XXXX, Recently, an ACH transaction was initiated to pay XXXX XXXX was returned and a " returned transaction '' fee was applied. About 5 days later, XXXX XXXX re-presented to the transaction for payment and it was paid by the bank ( with a lower balance ) at this time and a second fee was charged to the account. Chase also has charged fees for XXXX as " recurring transactions '' when they are truly point of sale. Many fees have been charged for small transactions of less than {$10.00} and multiple fees assessed. This is not fair to any customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with BAYVIEW LOAN SERVICING, LLC (SC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX XXXX, 2015 I received a call from XXXX XXXX ) Bayview XXXX XXXX XXXX ) stating that I owe on a payday loan and if I do not make restitution right then that I will have court papers served to me at my place of employment within XXXX minutes. At that time, I did not understand the practices that Bayview XXXX were illegal and against the Federal Trade Commission and made agreement to pay the loan. After further research, I found that their scare tactics and process of collecting the debt was known and the BBB has XXXX complaints against them for the same exact reason. I called back and spoke to a XXXX XXXX and told them that I declined the agreement and stated to provide me with the case file number that was filed with the court systems. I was then told by XXXX XXXX that there was no a case number because no case has been filed. I asked then why then was I told that I would be served court papers at my office on if there was no case filed. XXXX XXXX stated that I was never told that and hung up on me. I then received a call on XXXX/XXXX/15 from a XXXX with ( XXXX Bayview XXXX ( XXXX ) to verify my home address to serve me papers. I asked XXXX what kind of business this is because they are breaking the Federal Trade Commission law regarding debt collection. She stated that they are not a debt collection agency so they do not have to follow any laws pertaining to that. When I told XXXX is was taping this conversation, she then hung up on me. I called back and spoke to another person who then threatened to call my Human Resources officer and let them listen to the recording of the call and told me he was going to contact the local law enforcement agency and have a police office waiting at my house to arrest me. I have this entire conversation recorded on my phone. ( XXXX ) Bayview XXXX refuses to provide any information as to what their business specifically does and provide an address for me to send a written cease and desist letter to stop the harassing phone calls to my cell phone and work place for me to communicate with them through written letters. I understand I owe on the loan but I refuse to be intimidated by scare tactics and illegal practices that this company does to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Billing statement

Complaint: XXXX is reporting a charged-off account with a balance of {$1000.00} with a high balance of {$1400.00} on my credit report. I do not understand how they came to this balance considering that this was a {$500.00} secured credit card. A card on which I put down a {$500.00} deposit which I never received back. Please have XXXX provide me statements for the account corroborating the balance that they are reporting on this account as well as the high balance. How could I charge up {$1400.00} on a {$500.00} credit card? I am requesting this information based on 623 - 15 U.S.C. 1681s-2 ( C ) ( i ) " included on or with any notice of default, any billing statement, or any other materials provided to the customer ''.

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