milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My parents contacted me and told me that someone from Miller Stark Klein said they were trying to find me for a court summons. I tried to make contact with the company the same day and they did not answer. The following day, I tried to contact again and spoke to a XXXX. XXXX stated they had information about $ XXXX of debt from a bank account I do n't use in a city I havent lived in for a decade. When I questioned the authenticity of the claim, she got upset and implied there was nothing I could do to resolve the issue. At no point did they ask for any current contact information or where I even currently live, just that I pay the money. When I asked for paper documentation of the records they have on this case, she stated I could take it up in court and hung up on me- without providing any information or even asking for where I could be contacted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: I 'm having issue with ocwen loan servicing, my name is XXXX XXXX loan number is. XXXX. 
For some reason payment did n't go through for the month of XX/XX/2017 even thought payments are Being automatically deduct from my account every month, now I 'm trying to find out why This happened and I ca n't even access my account anymore, and it tells me to call XXXX XXXX, which I keep calling and leaving messages because person not answering and at this point every day that goes by I will be one more day behind on payment. 
Keep calling customer services as well and they say they can not do anything till I speak with this person XXXX XXXX.his phone number is 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 09/22/2015 about Debt collection (Medical) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ADVANCED COLLECTION BUREAU, INCXXXX XXXX, FL XXXX XXXXXXXXTEL : XXXXXXXXDear Sir or Madam : I am a victim of identity theft. 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 ADVANCED COLLECTION ACC # 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 reportPlease send me a letter explaining what you have done to : ADVANCED COLLECTION 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 requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX BAY, FL 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 05-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed information to be incorrect regarding dismissed bankruptcies. I have never been in court on such a matter and was told they verified this through a XXXX party called pacer. XXXX has no such files under my ss # and again I let them know that. Still they continue to report it even after submitting the proper theft report and affidavits si, ply stating there was no info on file. This is a violation of XXXX and other laws under FCRA and FACRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: For the last 8 months we have been arguing with XXXX about a credit card that was charged off back in 2012. Currently they are continuously reporting our charged off credit card account every month as 90 days late with a fluctuating past due balance that is incorrect. We have been making payment to the XXXX every month since XX/XX/2012. We currently owe XXXX when the charged off amount was XXXX. We have disputed this through XXXX, Equifax and XXXX. The account was removed completely from XXXX due to no response and when the dispute was sent in to Equifax we had XXXX 90 day late pays and they decreased it to XXXX. But they are still reporting us 90 days late according to my credit report on XXXX. Despite several attempts with the collection department at usaa nothing has been resolved. They are rude, disrespectful, they put us on hold and never pick up, they talk over me, yell at me and tell me there is nothing they can do. This account is causing my credit score to hardly change at all despite us working hard to repair our credit. XXXX is inaccurately reporting our credit card account on our credit and we just need help. We have done the right thing and have been making regular monthly payments to them for the last 4 years. We will continue to do so until the account is paid in full. We are not wanting to settle the account or anything. We just need this account fixed and have them do the right thing and report our credit card account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Transaction issue

Complaint: On XXXX XXXX, I completed a XXXX transaction with my credit card knowing that the pound to dollar exchange rate fell to XXXX after the XXXX vote. The transaction was executed by University XXXX on the XXXX and posted by Bank of America on the XXXX. Bank of America charged me {$7100.00} for the transaction which translates to an exchange rate of XXXX. The difference in rates led to me being overcharged {$330.00} on the transaction. Even if you use the exchange rate on the XXXX ( posting date ) the difference is even higher. My credit card with B of A has a provision of no forex fees so the difference is not a fee ( I have done these before ). I was over charged at least {$330.00} on a single transaction. I have attached documentation to support. Thank you, 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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX XXXX side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XX/XX/XXXXor XXXX as stated, this is simply a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company, National Credit Adjusters, contacted me a little over 2 yrs ago reporting that legal action would be taken on me if I did n't settle a debt from XXXX. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of XXXX and have never taken a payday loan out in my life. I reported NCA at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: I used my AMEX bluebird prepaid card to secure a hotel for 2 days, the room rate was XXXX which with taxes came out to XXXX a night. My card was charged XXXX separate times for over XXXX dollars. I have gone through the dispute process twice now which is very long, submitted all proofs and receipts and they still have not given my money back. They do not allow me to speak directly to there dispute department and will only talk to me through there customer service number, which claims to want to help but ca n't.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Mailed out disputes to Experian, for them to investigate several items that are reporting incorrectly, not mine, and personal information that is incorrect. And a dispute asking them to tell me how they " verified '' items that XXXX could not " verify '' and subsequently deleted. All of these disputes were sent certified mail with return receipt. First dispute ( of incorrect personal information ) mailed XXXX/XXXX/16 received and signed for by Experian on XXXX/XXXX/16, second dispute of accounts that are not mine was sent XXXX/XXXX/16 received and signed for by Experian XXXX/XXXX/16, third dispute mailed XXXX/XXXX/16 received and signed for by Experian XXXX/XXXX/16, fourth dispute mailed XXXX/XXXX/16 with a NOTARIZED AFFIDAVIT stating that I am the consumer that is sending in the dispute, the fifth dispute was mailed XXXX/XXXX/16 and signed for by Experian XXXX/XXXX/16. All of the disputes were signed by me and included a legible copy of my identity ( copy of a current drivers license ENLARGED ) and ( a copy of my social security card ). I received a response letter from Experian stating that " we received a suspicious request regarding my personal credit '' " and they refused to conduct a dispute. Experian had a copy of social security card and my drivers license as VALID PROOF that I am the consumer that sent in the dispute. Experian also has my signature as VALID PROOF that it was indeed myself that sent in the dispute. Experian automated system that is being utilized appears to be programed to use stall form letters and tactics when they are out of compliance and appears to be willfully refusing to dispute and is in violation of the FCRA & FDCPA. They have also refused to remove incorrect and invalid address that I have never used. 
I have enclosed what was mailed to Experian and the response they sent refusing to initiate an investigation.

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 10/29/2015 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am repaying a student loan that I am a co-signer on with my daughter XXXX. She attended XXXX XXXX XXXX XXXX in XXXX Due to healthissues she became unemployed and could not continue paying on her loan. Thisloan went into default before I became aware of it. The loan was charged off and dNational Enterprise Services acquired the loan. At this time the balancewas {$20000.00}. I paid {$4000.00} down and began paying them between {$100.00} - {$110.00} a month for almost four years. During that time my balance went down to {$15000.00}. I filed a complaint when I finally realized that the interest was being compounded daily at 6.6 %. This loan would never be paid at this rate! Now, NES has CLOSED out the loan as they have not taken 2 months payments from my checking account, and have given the loan to a FINAL collection agency, XXXX Theysaid they would negotiate for a final payment of XXXX lump sum but thatI could NO longer make payments. This would never work for me as I am retired and can not afford XXXX lump sum due to a fixed income. Please help me with this unbearable situation!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: 1. never received notice of right to dispute prior to posting the XXXX ( XXXX ) collection account on my credit. They simply threw this on there and was noticed in XX/XX/XXXX. 
2. have repeated requested validation of debt other then a lump sum invoice, such as a copy of the contract, receipt or purchase order for 7 months to date, collection company refuses to provide validation of this debt. 
3. Delinquency Invoice ( not contract, receipt, payment initiation or any other record ) from original creditor provided by collection agency does not coincide with the data furnished by collection agency 's 'date of delinquency ' reported as XX/XX/XXXX by collection agency and Invoice of XX/XX/XXXX.- Inaccurate Reporting. 
4. Data furnished by collection agency does not report to my credit report as 'disputed '. collection agency cont to report to XXXX, no information, past due acct only and XXXX as 'seriously past due'- not furnished acct is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was notified via credit monitoring of a collection account and called the company listed. I was informed of the original creditor and amount owed. I immediately told the agencies representative I felt this debt was not valid and requested they investigate. He verified my personal information and stated based on that matching they believed this debt to be valid. I stated again I felt it was invalid and request they investigate per FCRA regulations. Representative refused to submit any investigation and proceeded with his collection attempts and advised to me " this account will continue to be reported and your credit score will continue to drop every month this goes unpaid. '' The statute of limitation has also already expired. There is multiple violations that is company has done within one phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: in XXXX summer I switched to XXXX to save money. unfortunately I could n't get phone reception in my house. dropped calls unable to make calls etc. they waved the XXXX day wait for an air rave whichwhich was supposed to enhance signal but it did n't help I was force to go outside to make receive calls & retrieve voicemail. after calling XXXX & getting nowhere I finally had to choice but to switch back XXXX XXXX XX/XX/XXXX. I tried to break contract XXXX but was referred to several different people all of whom did not care that I paid {$100.00} a month for almost a year with no home service signal. I am also on XXXX fixed income & not well. they did not care. i did not receive any instructions when my number was ported back XXXX about returning air rave of phone. XXXXI paid XXXX for phone. they said that information via mail would confirm I broke contract.balance went to collections because I did n't return airrave or phone. by then I was paying XXXX for service & donated phone to a battered woman 's facility. collection agency worked with me to try to resolve but I did not have the money to pay in XXXX days & I was in dispute with XXXX regarding the disconnect & not informing me of or sending the mail back kits as they finally said we are charging you because you did n't return phone or air rave. I still had air rave & they then sent a mail back kit with NO explanation why it was not made clear about returning the equipment or mailing me the mail back kits. I 've spoken with XXXX several times. they have been very helpful as has been experience. the unpaid balance was reported XXXX XXXX XXXX. I just started working part-time XXXX XXXX XXXX. I got credit for air rave return but they wanted full price for phone & I told them that I paid {$100.00}. for it that I paid for service for XXXX year & donated phone because it was never indicated to me to return it. they said they would settle for {$200.00}. which I paid on XXXX XXXX XXXX. I had no idea that this would be on my credit report negative until XXXX. I am asking that you please try to get this off. I have to get new vehicle mine is XXXX yrs old. I have rental income part time job XXXX. I have to resolve this as its affecting my credit. thank you sincerely XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Affiliated Creditors, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Other

Complaint: I was on a trip out of XXXX XXXX area by XXXX miles and my card was blocked when I purchased gas. When I called I was told it was due to possible fraud. I was told I would need a new card which of course could n't be sent to me there-XXXX XXXX. So I had to figure out other ways to pay for items on my trip with difficulty. My new card was supposed to be at my home on return. It arrived 5 days after that instead. When I talked to them ( US Bank ) they told me I would need to tell them of travel plans including the dates of travel and the state. This is none of their business and I believe puts my personal security at risk especially my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank reported late payment on my credit report even though the entire loan was fully satisfied with 9 days as I was in escrow to sell the house. I had the mortgage loans for 10 years and have never been late. Now I am getting penalized, my credit is damaged as I am unable to get a loan for the next 2 years with a reasonably affordable rate. Chase is unwilling to provide me with a letter of explanation of any sort. I do n't think Chase should have the right to provide this type of punishment to borrowers. As a single mom, it is getting tougher and tougher to survive. At the time ex husband refused to pay any child support or provide any assistance to pay the mortgage. I was only late because the house was already in escrow to sell. Banks should not have the power to ruin a consumer 's credit. Especially when I was current 99 % of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have an equity line of credit or a second lien on my home through SunTrust. After 10 years of paying the loan and never missing a payment, the repayment period has ballooned the monthly payment to the extent of creating severe hardship for me. I asked Suntrust to rework/refinance the loan so I can get an extended period to pay this back. They denied the application which has put me in financial hardship. I feel that Suntrust is not being equitable or practical in considering my loan application. The first mortgage payment is {$1600.00} to XXXX XXXX while Suntrust is telling me I have to pay them {$1600.00}. This is unreasonable and not feasible for me.

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