milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: After reviewing my credit report from all XXXX credit bureaus there is an item that is inaccurate i was a victom of identity theft back in XXXX. it claims i had got an apt or home under my name. which is not true nor have i ever heard of them. a balance of {$5500.00} has been reported from collector. i have attached all of my DL for where i have lived going all the way back to 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 10/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: I have been paying on equity line of credit for 10 years which was an interest only account I had no idea this I have been paying {$19000.00} and now I still order complete {$50000.00}. 
These in my Pinyan a predatory practices and out unlawful I have tried to reach them by phone and have been sent from phone call to phone call with no response. what they have done should be unlawful. I will have paid {$100000.00} by the time I 'm done.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a dispute with transunion regarding a credit care balance that was affecting my credit score. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you 're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

This information is not correct. This is mistake on the part of transunion. Shortly after the report by transunion my credit score declined. I fell transunion retaliated against me because of my complaint.

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 05/26/2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent a tota l of 4 req uest for verification letters to  Revenue Assurance o r Consolidated Recovery Systems. After filing a CFPB complaint a few weeks ago I finally received a response back from the agency explaining that they were sending mail to   XXXX   XXXX     instead of  XXXX , although my correct address was typed on all  four le tters and written on every envelope. Furthermore, I called to give the correct address and requested that they print out the documentation on Wednesday and I would pick it up. However, I was unable to pick it up and they mailed it to me and I received it yesterday,  XXXX / XXXX / XXXX . The " verification '' is  a one s heet document outlining services and fees incurred with  XXXX   XXXX , a name that I have not used since  XXXX  before I was married and my previous address. However, it did not include any other identifying information. I attached documentation that I received from Revenue Assurance or Consolidated Recovery Systems verifying that the documentation I received does not meet the requirements to validate the accused debt. This debt has been removed from all other credit reporting agencies because the debt could not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A debt collection agancy has been calling my personal cellphone for months. When the started calling my phone no one would answer. The would hand up without saying anything. the they started askin for Person named XXXX. I am not this person, please stop calli my personal cellphone I said. the said the woild not. then a different phone # from same city started calling me again. I want them to stop bothering me by asking for this XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Collector debit bank account removing XXXX benefits and refuses to accept responsibility for actions despite documentation showing their error. This is on a tax lien which is owed, however XXXX benefits are exempt according to documentation given to me by the collector. I have spoke with XXXX and am in the process of a hardship submission. Premier Credit refuses to work with me and has placed my held in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Mortgage) with Collins & Hilton Asset Group, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with me has to be between the accuser and me with both of our signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something under the XXXX of XXXX. 
I have disputed this with all XXXX credit reporting it has been deleted on XX/XX/2015. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them.So, that is why it was deleted and now XXXX year XXXX months later they are trying to collect again on a debt when does it end it 's like a merry go around and harassment because now I have to go through the process again in order to get deleted and will just like before the time and effort us consumers are faced with these collections agencies for what nothing but wasted time and I value my credit and it 's very important to keep onto of these collections agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (I do not know) with MNS & Associates LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This business has contacted my sister, contacted my Aunt, contacted my Uncle, contacted my other sister and contacted my Mother. How they got phone numbers I do not know but each and every XXXX of them told them to stop calling and they did not. I have not received a phone call. They asked each and everyone of them for my social security number and personal information about me. They also stated that I used each and every XXXX of them as my address which is false. I do not even talk to my Aunt and Uncle.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NV).
Issue: Trouble during payment process

Complaint: My loan with Ditech Financial L.L.C. XXXX XXXX, XXXX XXXX, SD, XXXX,  Phone XXXX, was paid in full ( closed ) on XX/XX/XXXX. I had set up automatic debit to pay my monthly mortgage with the funds withdrawn from my checking account on the XX/XX/XXXX of each month. No one told me to call Ditech to  stop the automatic payment. Since the loan was pain on XX/XX/XXXX, I did not anticipate Ditech would withdraw my payment on XX/XX/XXXX in the amount of {$2200.00}. When I logged onto my checking account I was horrified to see Ditech withdrew the funds even though the account was closed. I called customer service on XX/XX/XXXX and they stated it was my fault and a separate department handled this matter and they would process a check in 30 days and mail it to me. I asked if they could refund the money to my account electronically and they said NO. I called again on XX/XX/XXXX and spoke with supervisor XXXX, Ditech ID : XXXX,  who stated there was no way to expedite my refund. They will not pay interest on the {$2200.00} they owe me. I think this debit of my money is wrong. Since they have a special department to handle the refunds of automatic debits after the loan is closed, I suggest they do this frequently and use this as a means to earn money and interest on the money to the detriment of the consumer. My initial loan was with XXXX in XX/XX/XXXX and they sold the loan to Ditech. I did not choose Ditech as my mortgage company. I hope your agency will take action regarding Ditech 's practices. I think if I had n't told them to stop the automatic payment on XX/XX/XXXX, they would continue to debit my account without regard for the XXXX balance on the account. Thank you for your considerate attention to the above and I hope you will be able to expedite my refund. I hope there is some recourse against Ditech to prevent this from happening to others.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Federal student loan) with Allied Interstate LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Allied Interstate continues to call my personal phone, my place of employment, my co-workers personal phones and my family after I have specifically told them that they can only contact me via US Mail. They have contacted friends on XXXX to obtain my private phone number. I have informed them that I will not speak to them on a recorded line. I have never received anything from them via US Mail. I sent them an email requesting verification of the debt. I have not received verification.

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 07-06-2017 about Debt collection (I do not know) with Designed Receivable Solultions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity. Someone has obtained my personal information and created fraudulent accounts. I did not know how my personal information was obtained or who obtained it. I did not give permission for anyone to use my personal information and I did not receive any services or goods from these accounts. I filed an Identity Theft police report and also reported this to the Federal Trade Commission ID Theft Affidavit. I have sent the company notification I am a victim of ID Theft have sent them my ID Theft affidavit, statement and ID Theft police report. Desgn Rec still is knowingly reporting the fraudulent accounts on my credit report after they are aware I am a victim of ID Theft. These are not my accounts, they are a result of ID Theft and I need all attempts of collecting these fraud accounts

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with The Law Offices of Mitchell D. Bluhm & Associates (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After noticing the debt on my credit report, I sent a Debt validation letter to Law office of Mitchell Bluhm. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, Mitchell Bluhm did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the Law office of Mitchell Bluhm or any attempts by the debt collector to  validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have inquires on Equifax credit report more then 30 days ago I sent letters out demanding an investigation this in the second time about 10 days later Equifax replied letters for each inquiry informing me that they do n't investigate also stating I had to contact the company 's doing the inquiry I had already done that those request mostly went unanswered, or I had contacted Equifax these inquires have inaccurate information that I 'm disputing these are the ones I am disputing XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, X XXXX with Equifax the 30 day investigation period has been exhausted XXXX fair credit reporting act i am requesting that your agency enforce the fair credit reporting act with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am mailing you all the latest information that I received back from Navient. They have been over my loans for a number of years and I have made my payments in which they state otherwise. I have records showing that I sent them the consolidation loan paperwork on XXXX XXXX 2017. Per the paperwork I received from them will prove that same information though they previously stated I had not sent them anything. Someone sent a previous document with my name on it in which that was not me. I had only sent them documentation in XX/XX/XXXX not XX/XX/XXXX.  They say that someone emailed them paperwork, but I sent my information to them by mail certified through the US Postal Service. At this time Navient should still be over my loans and also grant my Public Service Loan Forgiveness as I have also requested due to working in the XXXX field over three years in providing service to the public. I want them to acknowledge that they accepted falsified documents where my identity could possibly be jeopardized due to their negligence for not further investigating after they were aware that I had only been mailing in any items to them through the years. Due to Navient constantly lying regarding my files I began sending them all information via certified mail so that I had further proof for my personal records. Everything Navient has done leading up to this point has been a complete scam in running up interest rates beyond what we are able to pay even if we work etc.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Several months ago, I called Navient to update the bank account on file for my automatic payments. I 'm in a program, where I pay a lower amount with automatic withdrawals. I also changed the payment date for that month. The rep that I spoke with did not update the bank account on file. Once I realized what happend, I was over a month behind or more. When I called Navient, the only help I was offered to stay in the payment program is to set up new payment dates, update the bank account on file. Which I did. I was told, that I can do a forbearance once the program expires in several months on the past due balance. I was also told the collection calls to me and my co-signer ( My Mom ) would stop. Several weeks to a month later, Navient began calling my Mom at work several times a day, making false statements that my payments are not going through, they are declined due to a wrong credit card number ( I do n't pay with credit cards ). They are demanding that she makes my student loan payment. 

I called Navient back. The rep I spoke with was very rude. She advised, that she will not stop the phone calls to me, or my Mother at work. I explained that I am in a repayment program, with future payments scheduled. She said, she will not stop the calls to Mom at work ( that 's a violation of the fair debt collection act ). My Mom, keeps getting phone calls each day, despite me having payments set up. Navient is also discussing other loans, without her name on the loans with my Mom, discussing my overall balance, amount owed and etc. Also, after 3-4 years of making payments, my balance has n't even went down on my loans, it has instead increased.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle loan) with 3rd Generation, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: California Auto Finance Customer Name : XXXX XXXX Acct Number : XXXX I have a car that was finance by California Auto Finance, I was behind for my payment for just more than 10 days. California Auto Finance added insurance to my payment despite sending the proof of insurance to them and their staff calling and verifying the insurance to the company. I called and spoke with a representative named XXXX. I asked for information regarding deferment, since there is a hardship on my part XXXX explained to me their deferment policy and she said that she will transfer me to the collector that was assigned to my account. Upon transfer the collector was very rude and immediately asked " What do you want? '' I explained to her my situation and she did not even let me finish and say we do n't offer deferment. I explained to her that the other representative said that they do but she keeps on reiterating " We do n't offer deferment '' this time she said that " You need to send your payment we ca n't wait for it anymore ''. Despite this I continuously communicate with them through email and explained to them my situation. On XXXX/XXXX/2016, I received a call from a old colleagues of mine that I have n't talk in a while. They reported to me that a collector from California Auto Finance called them stating that I need to pay my debt to them or they will lock down the car. This a complete violation of Fair Debt Collection Practices Act. Specially in the state of California law where original creditor is also consider as the debt collector. FDCPA states that Debt Collector can not ask third party to pass on a message, which in this case they completely violates. FDCPA also states that debt collector can not call third party more than once and can only ask to obtain or confirm location, again California Auto Finance Completely Violated. FDCPA also prohibits them from revealing consumer debt, which again they violated. FDCPA also prohibits them from harassing or stating any threatening words and for them to say that they will shut down the car despite of negotiation and sincere efforts to pay the debt is just a blatant harassment. Not only that California Auto Finance has no customer service, they 're collectors are treating their customer inhumanely. California Auto Finance must remove and stop contacting individuals on my references. They are also more than willing to testify in court of law if I decided to pursue court actions against them

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: some bank credit cards have very complex incomprehensible interest rate system. i.e. different rates for different bank products on one credit card : i.e. Rates for purchase, cash advance, overdraft, linked to card, promotional interest rate. For consumers who pay less that the total balance, are hit with compounding interest @ 15 % 19 % or higher on other category on the same card. This is totally unfair, and equal to " lone sharking ''. No clarity is provided regarding allocation of payment to interest rate line item. The compounding aspect of this situation is totally unfair and greedy. Can your department help with this situation? Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation