milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had cable service from XXXX that was contracted through XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL about 3 years ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called XXXX has sent me a letter attempting to collect the debt. I filed a complaint against XXXX ( See Case Number XXXX ) Guess what? Stellar Recovery, I want you to know I am stellar and will never pay this. Tell XXXX XXXX that they can keep doing this for another 4 years, I will keep filing complaints. STELLAR! If Stellar Recovery contacts me again, I will take legal action for violations against the Debt Collection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Credit card) with DISCOVER BANK (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX approximately one week later. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XX/XX/XXXX by XX/XX/XXXX regarding this matter. 

ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Discover Bank was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am an XXXX. XXXX are eligible for loan forgiveness. I was never given the option and I always had to ask about that option just to be denied. I have had a hardship request denied, also. I always forced into forebearance or consolidation which led to more debt. I ca n't buy a house because of this. My student loans have made my credit score so low.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent application submitted with his information without his consent. That application resulted in an inquiry into his XXXX  credit report XX/XX/XXXX that he did not authorize. A formal dispute of this was mailed to TD bank XX/XX/XXXX however as of this date TD bank has failed to report the status of the dispute/investigation results to either this office or our client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called my work number which is not allowed repeatedly. They never leave a message but my employer does not allow outside calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: a fictisous name appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently was in the process of refinancing my Wells Fargo mortgage with another lender. Although, Wells Fargo advised me to continue to make my payments even though the home mortgage would be paid in full, on XXXX XXXX a Wells Fargo collections agent told me that since my Loan was due to be paid in full she would notate my account so that my XXXX and XXXX payments would not be reported as a XXXX day late. The Collections agent also stated that if my credit was affected by a missed payment that she would have it removed. At the time I needed the money from the XXXX payment to make an unexpected repair on my home in order to close the mortgage refinance. Wells Fargo ended up putting a XXXX day late notice on my credit report which dropped my score XXXX points. They also refused to remove it from my credit report claiming that it is not their fault their collection agent told me she would ensure my credit would not be affected on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX   XXXX ,  2017 I dep osited {$380.00} cash into a Bank of America ATM on the corner of  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX   XXXX , GA. The Atm had difficulty accepting the cash but did take it, then spit out a ticket saying, " We are unable to process your request and can not return your item  ( s ).  '' It also listed a  XXXX  number to call. I called the number and reported the incident to Bank of America. A gentleman took all the information and promised the credit would hit my account with in 7-10 day s. When 10 days passed and I still was not credited I called again. After being transferred numerous times they finally stated that I just needed to be patient that it would be resolved  in 7-10 BUSINESS days. After 7-10 business  days I called back again, was again transferred between multiple departments and finally told, they are still, '' looking into it. '' From my perspective, Bank of America has taken {$380.00} from me and every attempt I make to resolve it results in being sent in circles.

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 10/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Deposits and withdrawals

Complaint: us bank is saying I started a bill pay against my will which I did not submit to be paid XXXX/XXXX/2015 to collect fees so on the XXXX/XXXX/2015 XXXX did reverse the fees an show me how to delete the information so it did not happen again so on XX/XX/XXXX the fees were put on my account again XXXX per item total XXXX so XXXX claim the fees would be refunded back to my account by XXXX so she walk me through my account to stop the pop up from appearing on my screen say the pop up is put there to be annoy me an cause it kept asking me to finish the bill pay so I did not now later so XXXX walk me through internet option to delete the pop up from appearing an the fee will be refunded back to my account by XXXX so XXXX I call back an the fee of XXXX is still on my account I talk to XXXX he inform me that he was refunding me the fees in a half an hour an I can check back about XXXX to see the fees had been refunded to my account so I call about XXXX I talk to XXXX who set me to talk to a lady name XXXX who then stated she was not refunding me any fees an gave a address to file a complaint us bank 24 hour banking management XXXX XXXX XXXX XXXX mn XXXX at first the bank is claiming the checks were mailed on XXXX I said can I have a copy of the receipt paying for postage they told me no so I talk to XXXX an XXXX said the check was sent out on XX/XX/XXXX so that is when he refunded the fees first fees back on XX/XX/XXXX an show me how to delete the information so it did not happen again but the bank is charging me again on XX/XX/XXXX to put the fees back on my account and refusing to honor because I did not submit the information to complete the bill pay the bank is doing this on there own to collect fees from me it is the bank who is doing tying to say I did bill pay when I did not plus the operator on XX/XX/XXXX is the one who told me to put in the memo to electronic debit from my account but I never submitted to be paid so not the bank is trying to say I did submit when i did n't an the bank would send popup for me to finish an I put not now later so I never submitted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Shopping for a loan or lease

Complaint: To whom it may concern : I HAVE A CAR LOAN THRU SANTANDER CONSUMER : I went to check my mail on XX/XX/XXXX, i rec 'd my credit report from XXXX and took it to my credit consultant, she showed me where Santander Consumer has reported me XXXX ( 2x 's ) to the credit bureau. My car payment is set for the XXXX of each month, i understand about XX/XX/XXXX, ok, but XX/XX/XXXX, im NOT, if we are just on the XX/XX/XXXX how is it that i am reported for ( 30 days late XXXX XXXX for {$420.00} ). When i called the XXXX # the rep named XXXX got rude and i asked for the Supervisor, it was XXXX, when i asked why was i reported for XX/XX/XXXX for {$420.00} she said i was not that i needed to call the credit bureau, but i explained that i am holding my report printed on the XX/XX/XXXX which i will be uploading to this and still she could not explain SO CAN YOU TELL ME WHY IM BEING REPORTED AND DROPPING MY CREDIT SCORE THAT IS HURTING ME FROM MOVING FORWARD TO HELP BETTER MY CREDIT??.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: As a XXXX veteran, I applied for a VA refinance loan for my primary residence from XXXX XXXX XXXX XXXX in XXXX, SC XX/XX/2016. With all pertinent information in hand, I delivered my application to the loan officer who promptly checked my credit score with TransUnion and other credit reporting agencies and informed me that my TransUnion score stood at XXXX, far below their lowest requirement of XXXX and therefore was denied a VA loan from their establishment. That surprised me because I had subscribed to popular credit score company XXXX XXXX which reported my score was above XXXX. The loan counselor advised me that website credit scores and official credit scores use different formulations and the scores may not match. Although disappointed, I did not dispute the denial. However, I then joined the TransUnion credit score website for a fee, which also listed my credit score by TransUnion above XXXX. Confused, I continued to work on my credit hoping to get a better official credit score in the future. On XX/XX/2016 I applied for a home improvement loan from XXXX of {$2400.00} but was denied credit in part because of a credit score of XXXX. I promptly called TransUnion and asked for my credit report at cost, including credit score which I recently received in the mail. The credit score included in the report dated XX/XX/2016 is XXXX grade c and not the XXXX score quoted to XXXX, my prospective creditor. I now feel like I have been discriminated against for some unknown reason. I have complained to a loan officer at XXXX XXXX via telephone to no avail. I have notified XXXX via U. S. Mail of my intentions to dispute their decision. I have not officially notified TransUnion yet, but intend to do so. I would like for TransUnion to explain to me why they listed my credit score with prospective creditors at such low level but continued to tell me via their website and credit karma 's website that my score was much higher. The result being credit denial and major personal embarrasment. I would like an official apology from TransUnion explaining their error, if any, and I would like for them to correct the score given to XXXX XXXX XXXX XXXX and 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 07/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Settlement process and costs

Complaint: case # XXXX what going with this fraud commented by Bank of American!!!??

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 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was informed by XXXX that Experian has my Social Security number incorrect and an old address listed.

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 06/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed dispute with Equifax do to XXXX reporting an account that was with XXXX. I disputed charges via pay pal and was refunded full amount after a lengthy investigation. The company had 60 day for final response and did not do so. I have requested for this to be removed from my credit report and provided proof of refund to Equifax , XXXX and also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I have been one to always stay on top of my debts. I have an auto loan with Nissan that I have never been late on. I paid my account via phone during the month of XXXX, when I called I was advised that I had fallen 30 days late. I stated to Nissan that I was aware that my payment was made on the XXXX day. However, I was told that since the payment would n't post until the next business day I was in fact 30 days late. I explained to the rep, I even spoke to two supervisors who advised me that there was nothing that I can do. I explained that I was a XXXX Vet and that I was juggling two households because I take care of my father under XXXX. I even wrote them a letter pleading my case. That I did n't intend to fall behind, I just let the date get beyond me. This is affecting my credit and my employment because I need a security clearance to perform my job. I am in jeopardy of loosing my job if I do n't get this late pay removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I use to live in XXXX XXXX XXXXafter leaving I had n't final walk through with the apartment manager at the time, who advised that my deposit in file will be used for cleaning the oven fee.. No other bill/invoice was sent to me.. Even after providing my fowarding address to the propert manager. I then revived harassing calls from an collection agency after a year.. When I inquired on why I never revived either a bill/invoice. I also at the time inquired with the women what happen to my deposit that was on file. She advised that has nothing to do with her. The company refuse to provide my original lease information from 2006 when I moved into the property with my deposite.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: jefferson capital system acct. no. XXXX is wrongfully reporting on XXXX, XXXX, and XXXX credit bureaus.J.C.S.is collecting for a fraudulent XXXX XXXX debt, the original creditor.JEFFERSON CAPITAL is trying to collect XXXX dollars, of which 700 approximately appeared in charges after I cancelled for poor service and reception and had switched my phone and telephone number to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Collection Services, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2016 I was contacted by a collection agency on behalf of XXXX XXXX XXXX regarding an electric bill which was due for payment on the XXXX of XXXX 2016. However, I never received any previous notification regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Closing on a mortgage

Complaint: Good morning. 

In XXXX of XXXX my mortgage was transferred from DITECH Mortgage to XXXX Mortgage. In the process DITECH reported that I had not made my XXXX, XXXX and XXXX payments. This was not the case. I called DITECH and spoke to a CSR on 5 occasions in the past 40 days. Each time they told me it was an error on their part and that it would be fixed. In the past 40 days I 've received 6 foreclosure packets in the mail and the new loan servicer, XXXX shows that I 'm in default and will NOT accept my XXXX or XXXX payments. I 'm stuck in mortgage lender XXXX and ca n't get out. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: You can pick your method of payment allocation, but they rarely follow your instructions. You have to call and call and call to get your credit card payments allocated correctly. On their 0 % promotions, they do everything they can to retain a balance so they can charge you 26.99 % interest. They have almost stressed us totally out. We are cutting up our card and taking our business elsewhere. They are not truthful with their credit card business.

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 01-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was offered a settlement offer and exchange to have the account removed, which I took advantage of, as of the date of this dispute this account remains on all XXXX of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: Hello Green Tree Servicing did not provide correct information regarding the sale of my house and is listed on my credit as a short sale and am requestion that get removed.They broke the law by mishandling the rewuest for short sale and never told me it would fall indure the short sale

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