milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Strategic Alliances, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) Phantom fees on payment history from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX totaling {$1500.00} need to be explained and refunded. 
2 ) Forced place insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX was {$2500.00}. It was reversed on XXXX/XXXX/XXXX after 3 months. Three months of payments should have totaled {$640.00}. I was refunded {$1700.00}. The difference between what I was charged and what I was refunded is {$130.00}. 
3 ) Ocwen unfairly and incorrectly assessed the value of my home. I had an appraisal completed in XXXX XXXX and the value was shown as {$85000.00}. When I requested a payoff in XXXX XXXX I was told that a new appraisal needed to be completed. The second appraisal came in at {$230000.00}. I disputed the {$150000.00} in 3 month appreciation and it took until XXXX XXXX for another appraisal to be completed. The third appraisal came in at {$170000.00}. 
4 ) I was incorrectly charged shared appreciation of {$7900.00} as a result of the delay with the appraisal. The shared appreciation should have been {$0.00}. {$170000.00} - $ XXXX {$85000.00}. I submitted {$180000.00} of receipts for capital improvements. Ocwen accepted {$63000.00}. I am requesting that Ocwen honor the XXXX XXXX XXXX XXXX XXXX amount of {$48000.00} that was paid by Ocwen out of my escrow account. This would have resulted in a {$0.00} shared appreciation. 
5 ) There were to loan payoffs which were requested starting XXXX XXXX XXXX. I was not able to get a semi accurate payoff until XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Auto) with CCS Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This my second time disputing this collection item. I file for bankruptcy XX/XX/XXXX and discharge on XX/XX/XXXX. This item originally XXXX was included in my bankruptcy. They are reporting it wrong. I file a dispute again XX/XX/XXXX & they responded within a couple of hours by marking flagged account for collections. No, investigation? 

CREDIT CONTROL SERVICE has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company CREDIT CONTROL SERVICE Address XXXX XXXX, MA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$130.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Other

Complaint: Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX/XXXX/93. This account is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never received any notification that I owed this debt, making it impossible to refute a debt I do not owe. The only way I found out about it was when I viewed my credit report. 

When I attempted to resolve this debt dispute, I was contacted one of their agents in XXXX who agreed to delete the report after telling me that XXXX the the original debtor. 
Since I have an account with XXXX. I contacted XXXX and the agent I spoke with affirmed that I did not own XXXX any money. 

Further more the agent stated that she would be deleting the item off my credit report, which apparently she did not do. 
The Item appeared on my credit report on or about XX/XX/XXXX. 
The amount of the alleged debt is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Miss appropriated payments : We have a mortgage on our house in Utah that we got through XXXX XXXX credit union. It is being processed by Dovenmuehle out of Illinois. 
We have been trying to pay down our loan by paying an interest only payment about every other month. Numerous times the payment is not posted to principal even though we have done what both institutions ask us to do by writing on check and marking payment boxes online that state clearly that the extra payment is for principal only. ( Our monthly payment is always a timely auto deduct / draft and has never been late. ) Our last payment of {$8000.00} was once again applied wrong. A portion went to principal, interest and escrow. Our home balance at that time after posting it their way was {$80000.00}. After correcting their mistake and posting the {$8000.00} toward principal only, our new balance was {$79000.00}. A difference of {$620.00} ( deduct the reversal of escrow account ) we still were behind {$310.00} their way. 
We have been told that our account has been marked special and we would never see the problem again. That was XXXX problems ago.. 
It 's amazing to me that our account : " XXXX '' have been marked special when they ( Dovenmuehle ) process over a million home loans a year. It begs the question : How many Americans are being fleeced by this action ( non-action ). 
Can we sue them for this or even instigate a class action suit? There should be some regulation to insure principal payments are just that and protect people like us, who nearing retirement age, need to pay off their homes as effectively as we can. 
Please let us know what can be done. We have documentation and tape recordings of conversations with both institutions. 

P.s. ..XXXX, now 5 months later and again they have miss appropriated our funds. XXXX payments XXXX {$10000.00} and the other {$7000.00}. They both got divided up with interest and they did n't accept the auto draft for the two months payments. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I got a letter from XXXX XXXX for a credit denial on a vehicle I never even looked at or applied for, at a dealer that is over an hour away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Standard XXXX XX/XX/XXXX XX/XX/XXXX/XXXX XXXX I never applied for this ever I do not recognize this and now I have a hard hit on my credit score and it has dropped by 30 points Also they misspelled my name so I am not sure they have my SS # with someone else and their information - because I have good credit no matter what it shows

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: A dismissed bankruptcy listed on my credit report with Equifax.According to their policy ( EQUIFAX ) They report bankruptcies for 7 to 10 years.The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.The law states from date of adjudication or date of order of relief.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore Equifax has no right to maintain information which the government deemed nonexistent.
Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit file.
( See attached letter previously sent to Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hi my ss # was used without my consent i have contacted the IRS and other creditors to help me resolved this problem and they have been more than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I bought a truck from XXXX and financed it through Santander. I paid for the additional GAP Insurance. In XXXX 2012, I was rear ended by another vehicle and my truck was totaled. The other driver was considered at-fault. His insurance and my gap insurance should have covered the entire balance of the truck. I find out a month ago that Santander claimed I had a balance left over and wrote it off as a repo. This is a False Repo that is now preventing me from purchasing a new vehicle. I need this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Student loan (Non-federal student loan) with KEYCORP (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Keybank National Association has been accepting regular monthly payments from me for my account ; payments that I have full proof that I have made them. However, I just received a letter from Keybank stating that I must:1.payoff my loan has I have not made satisfactory payments2. they provided a phone number to call about this situation, that was simply an advertisement for a bogus vacation ( e.g., win a dumb vacaction ). Keybank phrased the advertisement as a " survey '' in which they would then connect you with the appropriate person after completing XXXX questions. You are then asked more than XXXX questions, and once you go through all of their prompts the phone just hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

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 12/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: Coinbase will not allow me access to my funds, they will not respond in any manner whatsoever. I have attempted multiple times to contact them even going as far as having a friend who has the CEO XXXX XXXX 's personal email reach out in an attempt to get access to my money. XXXX XXXX actually responded and ensured my issue would be escalated, however, noting ever transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AR).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: In spite of the legal notice I sent XXXX XXXX XXXX, they have refused to comply with the Uniform Commercial Code, and the USC laws, and will not except my Promissory Note, which is legal tender of payment for the discharging of a debt. I gave them a list of some of these laws, but they dont seem to mean anything to them. Some of the laws I gave them are listed below. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by midnight of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item.

UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.

3-104. NEGOTIABLE INSTRUMENT.

( a ) Except as provided in subsections ( c ) and ( d ), '' negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time ; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor.

( b ) '' Instrument '' means a negotiable instrument.

( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check. 
( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article.

( e ) An instrument is a note '' if it is a promise and is a '' draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC LA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

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 12/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: JP Morgan Chase is refusing to credit back {$49.00} in fees for {$21.00} in total charges. In total from XXXX XXXX, 2015 to XXXX XXXX, 2015 JP Morgan Chase and Companies Charged my {$150.00} in NSF Fees. Since XXXX of the transactions were for {$6.00} and another was for {$12.00} this would seem excessive to charge me {$68.00}. In addition they also charged a {$15.00} extended overdraft fee. This would be an interest rate of over $ 200 % for less than a week. JP Morgan Chase and Companies policies is that during a year they will only extend courtesy refunds to a certain amount - although they wo n't tell you what that amount is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh Transunion regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with Transunion and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with Transunion unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you

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 01/15/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all three bureaus ( XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements.

Company response to consumer: Closed with explanation