milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: back in XXXX we were not aware of a credit card open in a frauduent name husband name for aspire credit card, we found out in XXXX when my XXXX husband was notified in mail by a summons for a judgement of XXXX then I started to let them know that it was not ours and we had no knowledge of any credit card. I received no response from midland funding debt collector. I called and they would not listen. in XXXX we get another summons by them but noticed it was taken out of collections so we had not idea it was in public record for XXXX we proceeded to try to settle with them but they wanted XXXX I offered XXXX then I offered XXXX but they wont settle, they know my husband is XXXX years old and XXXX and XXXX but midland funding just keeps sending summons in our mail box and I keep writing to them stating we are willing to pay for just to get it off but at this point I do n't want to pay I want to take them to court to get this off and tell our side of the situation. they are rude and lie and say they will draw up a contract of payment so I can review it and move forward, so I have disputed it with the XXXX and XXXX to vacate the public record and get it off we are still awaiting, midland funding is a 3 rd party debt collector being sued by a class action law suit I would like to see justice done with them. 
thank you. attached are letters I tried to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQUIFAX reporting information not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Other debt) with Choice Recovery, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company ( Choice Recovery ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I wrote Experian, regarding XXXX XXXX debt Company, and that Company has falsified dates and amount of debt, and have not provided any document with my Signature, The debt is so old and I have no knowledge of the debt. So I asked Experian to provide a Copy of the debt to verify my Signature and to verify the amount of debt. They sent a letter telling me to verify my Identity, Which I Provided with a letter Dated XX/XX/2017. I received a new letter that said my dispute letter was not legible, and they need my personal information again. I had enough, I sent four rounds of dispute letters stating please send original document with my signature and they have been giving me the run around. Without properly verifying the debt to see if it is accurate.

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 05/13/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have a check from  XXXX ,  a Wells Fargo business customer. The check was drawn on a We  lls Fargo  checking account in the amount of {$2000.00}. It represented payment out of  my  XXXX  ac count for reimbursement of   XXXX   medical expenses.     The teller a nd manager at the Wells Fargo bran ch at  XXXX   XXXX   XXXX  in  XXXX  Florida insisted the company 's policy is to charge {$7.00} to cash a check drawn on  Wells Fargo.   This was after they required that I put my fingerprint on the cover of the check in addition to the  XXXX  forms of identification.     So not only did they treat me like a common criminal being booked at a police station with the requirement of putting my finger in ink and then pasting my fingerprint on the face of a check but they also wanted to charge me an excessive fee to recover the funds from  a Wells Fargo a ccount of our  XXXX  medical administration firm.

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 08/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX/XX/XX/XXXX my mother XXXX XXXX XXXX XXXX pays my student loans automatically each month. I received a call regarding my loan from Navient stating I was months behind. I knew this was not possible since my mother pays this automatically. I immediately made a {$670.00} payment. Both of my mother 's payments were refunded to her. She has since made another {$480.00} payment to Navient on X/XX/17. Since this mix up with Navient and overpayments being sent back, wrong phone numbers, harassing phone calls to both myself and my mother 's cellphone Navient has placed a 90 day derogatory remark on my credit ( XXXX XXXX XXXX ) Both of us have tried numerous times to get this rectified to no avail. I would like this immediately removed from my credit report. Navient is threatening and continues to harass and give both of us incorrect information. This information has a negative impact on my current schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to school through XXXX university with them saying what great opprotunities I would have to use my degree in XXXX. Once I graduated and realized I could not use my degree in my field through there school I tried to go back to school for a different degree but most of my credits would not transfer to a different school. After I was out of school my ones have went through XXXX XXXX and now Navient and I am currently on the income based repayment loan for the past year. However my loans for school that I can not use my degree is growing nterest and I will not be able to pay them with this option the offer with all the interest they add on. My loans went into forbidden e when it switch over frthe m XXXX to navient and I was not contact. I have several student loans from navient fed loan and dept of ed on my credit report and is hurting my credit and all seperate XXXX total loans and therefor can not even get a home for my family due to even when I dispute these they come back mine. While I was a n school they never told me how many loans I would need to take out or the interest I would have to pay and how it would ruin my chances of providing for my family using there school to get my degree because nobody will hire so, done for the XXXX in there school. I haven been given a run around trying to get my transcripts and contacting the school which is not listed in your down list below so I click the closest campus even though I did not go to a campus I attended XXXX online

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a credit card with Capital One. My credit limit is XXXX. I also have a secondary card holder ; my mother. She used her Capital One credit card to rent a vehicle with XXXX XXXX XXXX. After returning the car, the credit card was charged {$7800.00}. That amount is over the credit limit. Why would Capital One allow an outstanding charge to be pulled from a card that had a set credit limit of {$300.00}. As a result this charge has been applied to my credit report and has brought my score down to a dramatic drop of XXXX. This charge was not authorized and should have not been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Long story short : I have had payments rejected by Ditech for three months now due to their error. I have called each month to correct the situation only to have another argument about the payments not getting applied as scheduled. Late fees assessed when they state they will waive them only to have them tell me, " I have no record of that conversation ''. ( This conversation took place in XXXX 2016 ). It has been three months now that late fees assessed and scheduled payments not applied as they were confirmed to be due to an error made in XXXX 2016 by Ditech. I now have to write a written letter with documentation of the problems for the last three months to XXXXXXXXXXXX. I guess they have no phone number or address, at least that is what I am being told.. I am unable to speak to a manager and when given his name and extension, only to be able to leave a message on voicemail, with no return phone. I also need to call the credit bureaus if and when this issue gets resolved to clear my name on any late payments reported to them because of this. This is a nightmare dealing with Ditech. My account online is locked and I am afraid to schedule autopay until this mess is cleared up for fear my payments will continue to reject. Documentation can be submitted if requested. All calls have been recorded each month according to Ditech.

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 03-04-2016 about Credit reporting () with Clarity Services (NE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A company by the name of Clarity Services , Inc in XXXX, Florida has been accessing my credit file on behalf of XXXX different pay day loan companies. I have never done business with or worked with any of these companies. They have improperly used my social security number and I have no idea how they obtained it. I want all these inquires removed as well as all of my personal information from their files.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Providian Finance , out of  XXXX   XXXX  has called repeatedly, threatening charges to be filed against me, as well as being served with papers at my place of employment and at my home. They have also called my father leaving the same message under a law firm called    XXXX   XXXX   XXXX   . I have researched this company, and they are calling under false pretense.  <P/> I have not answered their calls, phone numbers include : (   XXXX    )   XXXX   (   XXXX   )  XXXX   and unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: What is going on with the credit reporting agencies, specifically Equifax. How did they let 143 million accounts get hacked. This is unbelievable. I have spent the last hour trying to lock all of my three credit reporting agencies accounts without success on the prime culprit, Equifax. I am beyond livid. Someone is not doing their job.
How did this information get delayed two months while the execs of Equifax exercised their stock options?
Someone needs jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jomax, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It was in XX/XX/XXXX XXXX recovery put me in collection for an account business LLC his name isXXXX XXXX started on XX/XX/XXXX and closed out onXX/XX/XXXX. 
Jomax recovery keep going down my reporting in collection

Company response to consumer: Untimely response
Consumer complaint received 04/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder. 

In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation. 
2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX . 
3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender.. 
4. The alterations were not made by the County Recorder 's office as a function of the recording process

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with Northeast Receivables Management, LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Left me a voicemail, then left voicemails on both of my brother 's phones, at XXXX Pacific time. They are claiming I am attempting to defraud XXXX from an account that was allegedly opened in XXXX. Even if I did have that account, which I can not recall, I had a bankruptcy in XXXX, and all debts were cleared. The number they called from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 04-03-2018 about Mortgage (Conventional home mortgage) with SYNCHRONY FINANCIAL (TN).
Issue: Closing on a mortgage

Complaint: Paid off the mortgage with a bank certified ck. in the amount of XXXX onXX/XX/2018. Ck # XXXX from Bank of XXXX County, Tn for Acct. # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, Ca XXXX. Have made ( 4 ) calls attempting to get my Registration for the Vehicle. I think they should have been able in 2 months to get a simple job done. 
I appreciate your time. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tn XXXX Phone ( XXXX ) XXXX EMail 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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about TRANSUNION . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX , XXXX . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.

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 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: very " simple '' situation. XXXX XXXX refused to change mailing address, kept sending it to old address, in spite of notification of COA by mail, telephone & online. So then, since they could not get the statement to me, I closed acct. that took weeks, instead of a few minutes.. the " late '' charges are because they would not get the billing statement to the current/correct mailing address. 
I think the problem lies not in billing /accounting, but in customer service procedures. We still shop there, as they are handy. The problem is not with local stores, but headquarters.

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 Student loan (Non-federal student loan) with National Education Servicing, LLC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To Whom it May Concern : Back in XXXX of 2014, I contacted your agency regarding a private student loan that I had though National Education Servicing, ( NES ) at the time I was paying I think {$50.00} a month. However, none of my payment was being reported to the Credit Bureau, instead since I was told that I was not paying the complete amount, I was being reported as delinquent. Once your agency contacted them, they decided to place me in a restoration program where all the delinquencies would be removed my from credit report and my monthly payment was increased to {$100.00} a month. I have consistently make those payments. However, I checked my credit report today, only to realized that National Educational Servicing has not cleared the delinquencies from my credit report and currently has me in default even after the payment of a {$100.00} that we have agreed on. National Educational Servicing wants me to pay {$700.00} a month, which I can not afford, I am a Program Assistant, with the Civil Rights Division of the Department of Transportation. My salary is : {$49000.00}. However, they have gone back on their word to report me positively to the credit Bureau and I am currently in law school and they told me I am not able to get a forbearance because I have defaulted on my loan, even though I have been consistently making a monthly payment of {$100.00}, one which we agreed on, now I am in default on an agreement that I reached with said agency. The phone number for National Educational Servicing is : XXXX. I would appreciate a prompt resolution to this matter. The manager I spoke with at NES is XXXX. 
Best, XXXX XXXX XXXXXXXXXXXX Ph : XXXX Acct # ***********

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Dear Sir/Madam, Please consider my English is not good, before start. I was a client of Bank of America for the past about three years. I 've been In XXXX since XX/XX/XXXX, and I am not going to return to the US. So, I called XX/XX/XXXX, to close my account ( XXXX ), and XXXX? told me that she would send a check of my money in the account {$21000.00}. However, I have not received a check, and I called and talked with XXXX? XX/XX/XXXX. I called and talked with XXXX? on XX/XX/XXXX. I finally received a check, however, I could not cash the check because it was not passed through the customs of XXXX. So, I talked on XX/XX/XXXX with XXXX?. I asked the check should be sent via XXXX or XXXX which should be marked on the envelope enclosing a check to pass the customs. XXXX accept my asking that she would handle that should be sent via XXXX. To confirm the process, the call was transferred to a XXXX translator of the XXXX?, she was so rude. She refused to send the check via XXXX and hung up my call. I had to call again and talked with a manager, XXXX, she confirmed to send it via XXXX, and she said that the case would be closed with the numbere XXXX. I also got a mail saying the case was closed with the number. Unfortunately, I have not yet received the check via XXXX. It may not a big money to the company, but it is a big money to me now. Whenever I call to BOA customer 's service, It is very hard to talk with because my account has already been closed. So, whenever the automatic calling system asks my account number it is not working with my old closed account number. Please review my case and handle the case as soon as possible.

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 12-08-2015 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (WY).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, a loan officer for guaranteedrate.com quoted a mortgage loan to me over the phone that would come to a total closing cost of {$8500.00}. When I received the loan estimate, it showed that we would have to pay {$11000.00} in closing costs. Because the costs of the loan were much different on paper than what XXXX had quoted me over the phone, I did not sign any papers authorizing his company to go forward with the loan. I immediately requested that all services be cancelled so that we would not be charged for any services from guaranteedrate.com. However, XXXX claims that I owe his company {$150.00} for an application fee and {$300.00} for the appraisal of the home. However our real estate agent and the seller 's real estate agent both confirm that no appraisal of the home has been conducted. Nor were they contacted by any appraiser so that they could begin working with the property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation