milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed a debt to an original credit grantor, ( XXXX XXXX XXXX XXXX ) some how ( MCM ) midland credit management was brought in to collect the debt, we ( MCM and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to XXXX division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from XXXX mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my MCM account with no mention of the XXXX XXXX XXXX Bank account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I reported to Chase Bank the use of a check that was never write it by me, or authorized in any matter for me.

The bank had informe that i should wait 5 business day for an investigation to take place and a decision to be made.

Is XX/XX/XXXX and still has no hear any resolution from the bank, when I called the bank requesting an update on the case they had informe that there is no decision made yet and that i should wait till the meddle of night when the 5 business day end.

This make no sense because my claim was open at XXXX on XXXX so the got the whole day past Friday to start the investigation, and this entire week but is still no a single update on my case.

Its look like the bank is waiting for the last minute to made a decision on my case what i believe is no a fully and correct way to treat a customer and either is no the proper way to do an investigation if they been investigating for over 5 days this claim but its there no update so what kind of investigation its this if there is no updates on the things they are reviewing?

all what i am looking for is to get my money back from a check that i have no write.

Today XXXX Senior Specialist from Chase Claim department in XXXX had no provide me any update any information instead to provide me any information has denied me to get a manager on the floor and also has reject my request of find information

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been attempting to contact this company ( Smith Rouchon & Associates Inc ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX  credit report in which they removed all three because they were in fact no validated debts. I have requested that XXXX does the same ; however, XXXX will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either XXXX nor Smith Rouchon & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX I worked with a rep. from XXXX re. inaccuracies on credit card ending in XXXX. XXXX reported that I was 'past due 90 days ' in XXXX, XXXX, and XXXX of XXXX, according to an Experian credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: ARA Inc contacted me by my company cell phone and the first thing they said was that they were going to file suit in XXXX County if I did not pay a supposed debt of {$24000.00}. Upon researching what little information I got from them the supposed debt was from 2007. XXXX XXXX XXXX did not have any records for the account number that they gave me. I requested in writing any information they had. I will attach the letter. This is past the 4 year Statue of Limitations for the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a credit card with capital one with a limit of XXXX last year in XX/XX/XXXX I made a large payoff of the statement which was XXXX. They processed the payment and I hade 2 reoccurring items on this card 1 being XXXX who placed a hold on my social and the other was XXXX. Well I since I thought I paid the card off I was not getting any of my card statements since I forgot about the 2 reoccurring transactions and I was fine with them since it was n't a large payment each month. 3 weeks ago while checking my credit report I saw that a few of my cards had closed my discover all because of this and the capital one card I am referring to. I spoke with a few people and the first person told me they are unable to do anything and that I responsible for the XXXX charge off. Well they put me collections and tarnished my credit all because I did not receive a statement for XX/XX/XXXX or XX/XX/XXXX and was told they do n't send out correspondence once they get a piece of return mail. so since a statement of mine was returned cause it was delivered to the wrong address the put me collections, messed up my credit that I have worked so hard for with so many disputes of other using my social to destroy my credit. Last night I spoke with XXXX who then told they are unable to do anything since I reoccurring items on my credit card but said they reached out to me though calls and I said yes and every time I would return the call the people on the other end would tell me it all looks fine disregard the calls they seem to be fraudulent, so I did not know that my card and credit were being destroyed by this credit card company. they had no problem taking my XXXX to pay them off, and sending me a collection notice once I found out about this and called but I have yet to see any statements come in the mail and was told they charged me the full interest and fees for the balance of XXXX after it was paid off!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I been asking Experian, XXXX and XXXX XXXX to validate the account from XXXX XXXX sinceXX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately

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 03-02-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: We paid OCWEN the final balance owed to them on XXXX. The original loan was with GMAC who sold it to OCWEN. My husband and I are trying to get a loan against our house. The original loan was paid in XXXX XXXX. The second loan was paid on XXXX XXXX. We currently do n't own anything on the house. The only thing keeping the loan from being approved is ... ..OCWEN NEVER sent a lean release to the County, nor did we receive anything from them. I 've called at least 5 times, getting a different answer every time. The most recent, I was told that a copy of a letter stating that the loan had been satisfied would be emailed to me on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, XXXX XXXX Central time I have yet to receive it. The person I contacted today told me it would take 5 to 7 days to get the email. I asked why it took so long and was told that 's how long the process takes. We need to have the remodeling complete by the end of XXXX XXXX in order to sell our house because we will be moving out of state. Is there anything I can do to expedite this process of getting the lean removed?

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: In XXXX I went into a Navy Federal Credit Union branch in The XXXX XXXX area and filed for a refinance for a XXXX XXXX XXXX that I purchased through them. I was told on the phone earlier in the month that I could do that by one of their agents. I was out of work and had been since XX/XX/XXXX and was starting to fall behind in payments. I was told this as a temporary solution to my financial problem. We went back and forth for a couple of weeks and then they decided to grant the refinance. They told me that I could n't get the refinance unless I give up the insurance that I had on my loan. Since that time I noticed that they are charging me {$29.00} assessment fees and increase Balance adjustments fees also {$29.00} during the month. This is not helping when it comes to paying off an account no matter what kind. We have discussed fees many times and I am tired of talking to them about this and need help. I am a long time customer and been with them for many years without incurring any problems until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MS).
Issue: Fraud or scam

Complaint: Rush card shut down are glitch been almost 2 weeks still ca n't access my money they block my old card I had to pay {$30.00} for a replacement card that was ship over night card arrive today an still ca n't activate to have access to my money it 's so many complaints balances wrong on account no help they said d m them on XXXX an community @ Rushcard no feed back are card they are ripping us off been with the company for years an this sad so many people are loosing everything due to this so call glitch are computer hack an XXXX XXXX seems not to care claiming they are working XXXX to address this issue this been going on for almost 2 weeks I need my hard working money can you guys help

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received an email on XX/XX/XXXX and been told my account would be closed on XX/XX/XXXX if I don't use my card before XX/XX/XXXX. So I did plan to use this card. However I received another email on XX/XX/XXXX and been told this account had been closed out. Therefore this two emails contradict each other. I tired calling their customer service while the representative couldn't find the reason why this account was closed 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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XXXX   XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous tim es ( si nce  XXXX   XXXX   ) o nly to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: a so call Convergent collection agenct is sending me letters stated that I own money to a account i never open.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to the XXXX institute of XXXX for schooling in XXXX virginia. I have now learned that their is a lawsuit pending by the government against XXXX and their practices. I feel that i am part of the predatory lending as after going through repayment since 2011 i have noticed my loans ballooning ( specifically from my private loans not federal ) attached is current loan " payments '' and you will notice that even when im on interest only that my interest payments are not even covering the interest that is supposedly accrued making it into a ballon payment

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I believe my husband and me are the victims of predatory lending. We purchased a home in XXXX XXXX from XXXX Loans. Later we found out through the news that XXXX was practicing some unfair lending. Our loan was transferred to XXXX XXXX XXXX. Our payments increased from {$3000.00} to {$4100.00}. We received a loan modification in XXXX and payments went to {$2200.00} which was manageable. In XXXX XXXX XXXX XXXX XXXX transferred our mortgage to SLS - Specialized Loan Service. Our loan has increased again to {$2700.00}. We can not afford this amount. I called SLS and asked what options we have. The person I spoke to me told me foreclosure or deed in lieu. I asked about relocation expenses if we took the option of deed in lieu and was told the lender does not offer that and the federal program that offered that ended XXXX XXXX, XXXX. So now owe have a house we paid {$390000.00} in XXXX worth only {$260000.00} in XXXX and we owe {$300000.00} and if we move we will have nothing to show for the {$89000.00} we invested in the house. I was also told that there was no equity in the house. 
I would like to know if XXXX was sued, was there a settlement and were we included in the settlement since I seem to be getting nowhere with SLS. They keep referring me back to XXXX XXXX XXXX and XXXX keeps sending me back to SLS with the explanation that they no longer own the account. I believe someone has an answer for us somewhere. We are senior citizens with medical conditions. We are just trying to live and we can not afford a {$3000.00} a month mortgage on a home that is underwater, pay bills, and buy medicine. 
We need answers. Can someone please review our initial mortgage?

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 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Cash  call  XXXX   XXXX  dollar loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ALERT TYPE COMPANY BUREAU DATE Updated tradeline CBNA XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE CBNA PO BOX XXXX XXXX XXXX, SD N/A N/A {$480.00} Showed up in trustedID XXXX It is nothing I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: It all began on XXXX/XXXX/14 with a charge of {$2500.00} by XXXX XXXX in XXXX. I was promised by XXXX XXXX that they can consolidate my Timeshare at XXXX XXXX XXXX XXXX in XXXX Fl. On XX/XX/XXXX I made the final payment {$7500.00} to XXXX XXXX. XXXX XXXX also made a later charge of {$540.00} for a product that was falsely presented to me ; a total of {$10000.00} scam by XXXX XXXX. After all this I got a notice from XXXX XXXX XXXX XXXX, XXXX, Fl that my timeshare is in collection. I lost over {$15000.00} in vacation, penalties and interest for XX/XX/XXXX. 
After investigating I found out that XXXX XXXX in XXXX could not consolidate my Timeshare in Florida. The venture with XXXX XXXX was a scam to rob innocent vacationers and timeshare owners. 
I wrote Citibank concerning this matter several times, only to be shun by them ; they then abruptly closed my account on XXXX XXXX ; jeopardizing my other accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Although homeowners have until the XXXX of the month to pay their mortgages ; Nationstar is charging homeowners a {$10.00} fee if they pay after the XXXX of the month. I never asked for Nationstar and have been moved from XXXX XXXX to XXXX and now to Nationstar. Every mortgage servicing company, besides XXXX XXXX, has tried to make money off homeowners ; here is yet another trying to do the same thing. XXXX stopped this practice immediately after receiving complaints from homeowners as soon as it began ; and the government should not allow these companies to prey on homeowners. The fee is unnecessary and basically punishes homeowners that pay their bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Specialized Loan Servicing, LLC ( SLS ) provided a single point of contact ( poc ) for all communications in resolving late payments on my 2nd mortgage. When I asked for a forbearance on the loan while I worked out the details, the single poc ignored the request. Sometime later, SLS acknowledged that the company received the request but did not act on it instead insisting on my mailing the request to another address. By then it was too late. The poc was never available and did not return phone calls. Often, I was left on hold for up to an hour before being cut off. The company repeatedly asked for documents it already had in its possession or would not explain what they needed. I believe these shady practices were an attempt to move the 2nd mortgage to foreclosure while pretending to help. I sold the home in order to avoid foreclosure.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE tried to open a credit card at XXXX XXXX a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with Suntrust bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!

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