milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2016 about Student loan (Federal student loan servicing) with ConServe (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Conserve first contacted me at my place of employment in XXXX 2016. I work in XXXX and can not accept personal phone calls at my desk. I specifically told the person that called that day to NEVER contact me at work again, and that I would get in trouble if they continued to contact me at work. I also gave her my personal phone number for all future contact. Since then, I have filed for a Student Loan Consolidation. Conserve is aware that I have filed for consolidation as they sent me a letter stating they had received a copy of my application from my loan servicer. Nevertheless, they continue to call me daily, and have called at least two more times to my place of employment. ( XXXX and XXXX ).

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information, including my social security, driver license was stolen from equifax. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with Couch Conville & Blitt LLC (LA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America - I have left strict instructions that I should not be called on my cell phone during business hours with BofA many times. I was involved with the Country Wide Bank of America scandal back in 2008 and have a long history with BofA. Currently, I am current on my mortgage. I have been getting collection calls from BofA that are threating in nature and very rude. They were threatening foreclosure when my mortgage is not even 15 days late yet. I do n't even have a late fee at this point. I have been over 15 days but under 30 days late in the past. I have been late 1 time over 30 days in the past 12 months. To get a threatening call ( i have the voicemail ) about my account at this point is harassment. They are calling my cell phone during business hours to leave these messages. Can you help stop these harassing calls? Thanks 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 non-monetary relief
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2015, I received a letter from CHASE saying I was pre-approve for a home loan. Since I needed to get a refinance loan for my XXXX Mortgage with CHASE, I decided to meet with the CHASE representative in XXXX XXXX. I paid XXXX dollars for the appraisal and I want a refund of this money since I was assured the loan ( on XXXX XXXX, 2015 ) was a positive based on the material and documents I submitted. The appraisal came in at XXXX on XXXX XXXX, which was more than enough since the loan was for less than XXXX. On XXXX XXXX, 2015 I was informed I could get the loan if I came up with XXXX. As I informed the representative I would not have paid the appraisal if I knew in advance I needed to an extra XXXX dollars for the loan. 
Subsequently I applied with another Bank, XXXX ( XXXX XXXX ), and was able to refinance thru them. 
I did sent a XXXX page letter to the representative with attached documents supporting my claim and he inform me via e-mail they could not refund my appraisal fee. CHASE has not responded in writing regarding my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I had a loan through Capital One Auto Finance and was having them withdraw payments through my bank account and than went onto a XXXX. When I got back from XXXX I had contacted the company and to set up my payments through an allotment and had it set for the amount taken out for the allotments to be able to pay off my car by the time I was getting out of the XXXX. When I had gotten out of the military I had called them again because my address had changed to get the title sent to my new location and they said that they had n't received a payment from me in about 18 months when I had original set up my allotment. I had talked to a manager later in the call and they had no record of me inputted into the records setting up an allotment for the payment. I got in contact with XXXX about this issue and nothing has been resolved about the matter and they keep asking for records of the allotment I had set up and stayed on the phone with them to make sure they received it in their email, the very next week they would ask for it again over and over again. Just feel like I am getting a run around from both XXXX and Capital One Auto Finance. I called the bank where the allotment was going to that they would n't give me the name on the account because I was n't authorized to get any information from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I owed {$29.00} to J.C. Penney ; due XXXX XXXX, 2016. I logged on to my account this morning, XXXX XXXX, 2016 to pay in full and now I owe {$58.00}!? A late fee equal to my total due amount was added. That 's XXXX right? Is that legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are remnants of tax lien ( s ) that have been released still showing on my TransUnion credit report. XXXX did update and remove these ; " As of XX/XX/XXXX, you have no public records on your credit report. '' released liens ( released on XX/XX/XXXX ) but TransUnion has failed to do so as well, after successive requests to them requesting update/removal of these outdated derogatory entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I used to live at XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and National XXXX.Please find attached document showing details of my schedule and program for my XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: OnXX/XX/XXXX I was contacted by my neighbor and told that Pioneer Credit Recovery inc. had called their home repeatedly asking for a particular person that had lived at my address, they had also contacted 2 other neighbors in the past few months. Although the neighbors stated they did n't know the person they kept calling. I was given the information so I called to tell them to stop harrassing my neighbors. I Spoke with XXXX who was very curt and a little rude ; she was implying that I was said individual, asking for personal information and was interrogating me like I was lying or a criminal. I told her they were in violation of the FDCPA act and she said they were n't and could call whomever they liked to get answers to their questions. I let her know I would be reporting them to various organizations and she said I could call whoever I wished and it did n't matter. I told her to stop harassing my neighbors and she stated she would remove said address and numbers. Later that day I spoke with Manager XXXX who used the same strong armed, interrogation tactics as XXXX basically said they could call whomever they like, that they were n't violating anyone 's privacy or the FDCPA and neither of them told me I could file a cease and desist complaint with them directly, I was informed of this by another agent named XXXX who I spoke with before XXXX. XXXX had not removed the information as stated and while XXXX claims he did remove the information and the calls would stop ; I do n't have faith in their honesty. I 'm hoping they will no longer bother anyone Again. Their number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX recently raised my interest rate from 7.25 % to 7.5 % without notice, explanation, or legal authority. Please investigate this illegal conduct. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX my previous note holder sold my loan to Nationstar, and i had to call the Nationstar to let me know how to pay online or any other way to pay. The gentleman talk to me and asked me, if I wanted to pay over the phone. He did not inform me of any charges if I did so paid that date when I spoke to him. I received my second statement and found a charge of XXXX dollars under fees and charges. I called Nationstar and they informed me that it was for wire transfer when I paid. I think that was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted Equifax several months ago and asked if the would remove information that is not mine. Every time I dispute it they never removed it even though I have submitted all the necessary documents even a police report and a letter from the District Attorney explain that I was a victim of Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I came to this country my friend co-signed on a private student loan through  Discover i n which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy.   XXXX   is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that  XXXX  and  XXXX  are reporting correctly and  XXXX  is not and the score on  XXXX  is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Medical) with Account Management Resources (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has submitted a debt in my name for the amount {$29.00}. It was received by me today, XXXX XXXX XXXX. I have been contacted previously and have each time told the people I have XXXX insurances, XXXX and XXXX and if needed, XXXX. Account number XXXX. Their failure to process the secondary insurance is not my debt. I want this cleared up as soon as possible. Provider information : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX OK XXXX. XXXX. Turned into AMR, XXXX XXXX XXXX, XXXX OK ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with The Leviton Law Firm, Ltd. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: An employee of  Leviton Law Firm ,  XXXX   XXXX , under the supervision of " attorney ''  XXXX   XXXX   XXXX  continues to email me and other employees after being requested in writing to cease and desist. He originally emailed on    X/XX/17   de manding {$120000.00} and all of our corporate documents. The CEO requested that he cease and desist on   X/XX/17    .  XXXX  emailed again on   X/XX/17   demanding to come to our office and make copies of corporate documents. This debt is inaccurate and  XXXX  shows no desire to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen a few years ago and someone opened up several credit accounts in my name. I filed a police report and disputed the items with all XXXX of the major credit bureaus. XXXX and XXXX complied and removed the items from my credit. However Equifax has not and I 've been disputing the items for 2 years. They have not proven that the accounts belong to me but they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: On XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is currently being investigated or as consumer disputes. Furthermore, Equifax is not supposed to score the contested information against me during the verification process. Equifax has violated the Fair Credit Reporting Act on numerous occasions. 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the Bankruptcy XXXX XXXX XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the XXXX Bankruptcy XXXX or XXXX XXXX XXXX. I have also attached a letter from the XXXX Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

Lastly, Equifax has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the XXXX Bankruptcy XXXX or XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application processing delay

Complaint: I have a problem with Bank of America credit card service. I admit I made a large mistake. On XXXX XXXX I overpaid my credit card account by keying in an extra digit. This wiped out my bank account. Two or three days later I noticed my mistake and took action. Sine the incident Bank of America has repeatedly misinformed me about when my money would be returned to my account. At least twice they told me it would take the standard " 2-5 business days '' to process the refund to my account, and I have documentation to prove this. After 5 business days I did not see my refund so I had to pursue them further. During this round they told me it would take up to 10 days because of the amount of the transaction. Why did n't they inform me of that in the fist place? Now 10 days have gone by and still no refund. I have a " case manager '' and a number and an extension that gets me directly to a person. This person told me the refund was scheduled for XXXX today, XXXX XXXX. This has not happened. I am tired of them pulling my chain and I want my money returned to my account now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit Management has purchased many old debts from previous lenders of mine and claiming amounts I do n't owe. In some cases, they are somehow updating debt 's last activity and keeping accounts that are over 7 years of age on my file. 

Someone needs to monitor this company, they are asking me to write a letter and accept all the debt, before even negotiating with me to resolve it. I am being victimized by this entity, I am a father and supporter of many. My fico score is being very heavily affected and life is more expensive for me. 

MCM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent in numerous disputes to Equifax regarding the inaccurate reporting of a bankruptcy on my file. There was no bankruptcy filed on XX/XX/XXXX. I mailed my most recent dispute around XX/XX/XXXX, and received an email confirmation from Equifax on XX/XX/XXXX that the investigation was underway. Yesterday I received my Equifax report dated XX/XX/XXXX ( confirmation # XXXX ),  stating that the bankruptcy was verified, with a verification date of XX/XX/XXXX.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. Obviously, if the verification date is XX/XX/XXXX, no re-investigation was done, which is a violation of the FCRA. 

I have also obtained a copy of my XXXX report from XX/XX/XXXX and there are no public records listed on the report ( see page 9 of  XXXX report attached ). So, how could XXXX verify a bankruptcy, and yet not be reporting it on the Public Record Disclosure file I received from them? 

Based on the above information, I am hereby demanding deletion of the above accounts from my Equifax file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation