milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from National Credit Systems, XXXX XXXX XXXX XXXX, GA XXXX letting me know that I had an outstanding debt of {$3400.00} to a company called XXXX. I called them back at XXXX and after they checked my identity, they told me that it was n't me so i did not have to worry about it. A couple weeks later they called me again asking me if I was going to pay this debt, again I explained to them the situation and after a long conversation they understood it was not me. 
Fast forward to XXXX/XXXX/16 I received a credit report alert telling me i had a new negative loan on my account. Checked it and it was them. They had added it to my credit report without my social security. I do n't understand how they can do that but it was there. 
I called them and spoke to a XXXX XXXX who is in charge of the account # XXXX. After she rudely asked me for my information and I gave her my SS she proceeded to tell me that it was not me and she could not give me any more information on how it was added to my credit. She said that I could dispute it with the credit company but that she was not able to do anything about it. 
I called her yesterday to see if anything had changed and left a message, so i called her again today XXXX/XXXX/16 and now she told me that i have to submit a fax with my credit report, my SS card, my drivers license, and all this other information, and that there investigating team would look at it and get back to me in possibly 2 weeks. 
It is companies like NATIONAL CREDIT SYSTEMS that take advantage of people and get no punishment for doing things like this. It is up to me to prove to them that it is not me when they knew it was not me in the first place. We need to do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved from my old home to my new home, during the process an unpaid electrical bill was left outstanding. I was unaware of this until I received a letter regarding the debt. After careful investigation on my part I determined the debt was genuine and called them to pay it. I asked if my credit report was affected to which I was told if I paid that day it would not be. I paid the debt on XXXX/XXXX/16, I received confirmation from the debt collector and have a bank statement showing the debt was paid. I continue to get calls every day from them seeking payment. The debt collector uses a automated system that makes you jump through hoops to speak with a real person. It can take up to 30 mins or more to finally get to a real person. I have called them three times now, each time explaining to the person the debt is paid. I give them the confirmation number and tell them stop calling me. They promise to resolve the issue, except the next day I will get called again, and again. I have had enough, and I think it is time they start paying me for the time I have lost calling them back. The debt collector still claims I owe the debt as well, despite my confirmation receipt from them and my bank statement showing them being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have a XXXX lateness on my account from XXXX to XXXX. The issue I have with capitalone was that I was not notified of my outstanding balance on this account. The only reason I got to it 60 days late was that I decided to log in to capitalone 's online website and saw that there was a balance. I immediately set up payment arrangement for XXXX, XXXX and XXXX and paid off the balance. Normally I get notified through text or email which I had previously set up in the online alerts section of their website but because of an error in their system I did n't receive those alerts. Because of the error I disputed the lateness with capitalone. After going back and forth with them several times through letters I wrote the company they still have not complied with my request. I have had this account open and in good standing for almost 5 years now and have never once missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (OK).
Issue: Struggling to pay your loan

Complaint: XXXX   XXXX  called and left a message misrepresenting themselves as  XXXX   XXXX  for the civil litigation dept and that I will be served papers within 5 days. I called them back asking for  XXXX   XXXX  and the woman that answered the phone started asking questions and I told her that I have an attorney handling my debt consolidation and told her when I would be home next week to have the papers delivered so that I can forward them to my attorney. She then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with National Principal Group, LLC (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Called old family members threatened them and advising they Ned to pay XXXX debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: TransUnion and XXXX are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the bureaus are several locations about accounts that were supporting to the credit bureau on my behalf these accounts or allegedly not mine I have no knowledge of these accounts and most of these accounts were settled in my divorce when I divorced my wife five years ago I would like to have a cow still be removed from my credit file and my credit file update to show accurate and correct information the accounts or Louisiana Child Support, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with First Data Corporation (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am researching whether I have been double-charged for " XXXX XXXX '' survey fees in this and prior years, and whether any intermediaries beyond First Data and XXXX XXXX have inserted themselves ( and charged fees ) into the Credit Card Processing cycle.. I seek to eliminate any such intermediaries ( and eliminate, minimize related fees ), and determine how and why " XXXX XXXX Merchant ''  appears as " Bank '' on invoices,

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: I sent $ XXXXCAD to XXXX XXXX Using my Pay Pal Account Transaction Details Transaction ID:XXXX XXXX XXXX, 2017 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX YOUR NOTE TO XXXX XXXX For the XXXX XXXX logo this is my grandpas paypal cause I dont have one I sent it in this not XXXX XXXX XXXX because he said so and I added XXXX $ more just for the trouble. 
The money was On the third time sent using friends and family pay pal will not refund even though the item was never received. I have requested XXXX XXXX To send four e-mails to XXXX with no replies. Requesting status and refund Grand son has also requested status via text messages and received no relpy. 

I feel we were scammed. 
is there any way to check and see if the money was ever picked up or XXXX XXXX logo sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2015 about Credit reporting () with Diversified Consultants, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I paid my bill from XXXX and was advised by XXXX collection agencies that they have requested that it be removed from my credit report back in XXXX 2015 when I paid the balance and again on XXXX XXXX 2015 when I purchased my credit reports and noted that it will still on there. There is also a charge of XXXX that shows closed that should be off my credit because that should have been put through my health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was opened older than 10 years and should be removed from 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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report.

A few months ago, I found a new address in Minnesota listed on my Experian report, which it says it got from XXXXXXXX XXXX. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that Experian refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and Experian just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.

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 11/16/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has already been paid, I have talk to the main company and the system has been updated. They keep calling trying to scare me telling me that they are coming to my house and my work to try to collect the debt. I have explained to them many times that the debt has been clear, they call me from different numbers but always using language to try to scare me. 
They call themselves XXXX and one time was XXXX XXXX is the number that they use last, I try to tell the guy to stop calling me and he hang up and call me again. 
Please help me with this matter. 
Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Good evening i am contacting CFPB in regards to a company who continues to send me letters regarding a debt that i already paid.    XXXX   XXXX   XXXX   t hrough the creditor  XXXX  has been sending me letters for years asking for a {$690.00} payment for a debt. They stopped in the past but started sending these letters again in  XXXX , particularly in  XXXX  of  XXXX . The latest letter i received from them was on   XXXX   XXXX   XXXX  .     I already paid this debt before to  XXXX  before it first went to collections but they did not acknowledge any of this. I have contacted them numerous times to mention this but it continues to fall on deaf ears. Can this please be sorted out and can i be helped with having this deleted from my credit report?     I should not have to suffer because of a debt that i myself paid already. I think what they did years ago in the past was after i paid it before it went to collections they sent it to another collection agency. This has greatly damaged my  credit score.      Not only that but I have attached pics  of one t ype of letter they normally send to me. Also if this can be taken care of can the collection agency please be asked if they remove it, that they can report it to all   XXXX   credit agencies  (   XXXX ,  XXXX , and  XXXX   ).  If this can be done it would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (I do not know) with ECMC Group, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I used my Best Buy credit card to buy the XXXX XXXX service for 1 year. The following year, when my service was about to end, I got an email asking if I wanted to continue the XXXX XXXX service for another year. I answered yes to the email and my credit card was billed for 1 year of service. As my 2nd year of service ends, I do n't get an email about continuing the service. I 'm auto-renewed and billed for another year of XXXX XXXX service without my knowledge or consent. Citi Bank customer service says I was enrolled in auto-renew because I previously paid for the XXXX XXXX service using my credit card. I do n't ask for auto-renew and I did n't want buy the XXXX XXXX service for another year. I made a complaint with Citi Bank, but it 'll take 6 weeks for their reply. In the mean time, I 'm forced to pay the bill and late fees for this charge or my credit rating will be damaged.

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 02-07-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my Amazon credit card two weeks ago. I told Synchrony that I paid, and told them to stop calling me. I have a statement from Amazon that they received it. Synchrony has continued to call me. They called me twice Friday, twice yesterday, and XXXX this morning waking everyone up. I can not get them to stop calling although I have made several requests and settled my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (MS).
Issue: Problems when you are unable to pay

Complaint: United Auto Credit gives me at least XXXX daily phone calls. I can speak to XXXX representative but XXXX more will call me the same day on my cell phone and leave messages each time. I also get emails If I am even 14 days late, I am told that my account is on their desk for repossession or that it is imperative that I call them immediately. I was 1 day late one time and got XXXX calls while I was at work. I also receive calls at XXXX XXXX and XXXX. This is very annoying and I wish it would stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Background : In XXXX I had a standard mortgage serviced by GMAC and after 4 years the TLV value was 88 % ( [ see appraisal document ] $ XXXX {$380000.00} * 100 ). 
We decided to refinance under the HARP 2 program to lower the interest rate and use the streamlined process where less supporting documentation were required The re-finance went through and believed that all was well. 
Owners of the mortgage : o GMAC mortgage : XX/XX/XXXX-XX/XX/XXXXo Ocwen Loan Servicing : XX/XX/XXXX-XX/XX/XXXX o XXXX XXXXXX/XX/XXXX-current Issues : 1 ) During the refinance using HARP2 program, GMAC undertook a property evaluation without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value rate of 152 % and thus would be forced to pay PMI for the majority of the loan. 
3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the GMAC/XXXX  appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. 
The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an automated valuation model ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at XXXX XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between {$420000.00} - {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX complaints to file with my XXXX loans which are serviced by Shell Point Mortgage. 
The constant misapplication of payments has caused me great suffering and great confusion. I am the managing memeber of XXXX. I also have been originating mortgage loans for 25 years. I have had loans with almost every servicer in existence over the last 25 years.

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