milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: An order was placed with XXXX under my name without authorization. My credit card was declined yet they sent a delivery. I signed no credit arrangement with XXXX XXXX sold the debt to chase receivables. I recieved a bill from them dated XX/XX/XXXX that said I had 30 days to dispute this or it would be reported to credit bureau. I disputed this bill. No verification of debt was sent and they reported to credit bureau in less than the 30 days from the date of the letter. I want this removed from my report and am disputing the 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 01-10-2018 about Debt collection (I do not know) with ERC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a collection for XXXX from XXXX XXXX XXXX. I 've never heard or have done any business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I contacted a company by the name of Guranteed Rate XX/XX/XXXX and was assigned a mortgage person by the name of XXXX, who advised me that combining XXXX mortgages would not be a problem and at the time I had an Excellent rating on credit. I submitted all the documents requested over a two month period then was asked to have my wife get put on the loan and I did that also, this turned into in excess of XXXX months of back and forth with this lender, who by the way did XXXX Hard Hits on my credit report lowering my credit, and when I asked XXXX why she said that is common, emails for proof. This company also over charged me for my home appraisal which I informed XXXX of but she said I would get that refund at closing. Last week they told me that I was NOT getting approved after several emails telling me I was. Minimally I want my Full Appraisal fee returned and would like to pursue this complaint against this Guranteed Rate

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent sample letter from CFPB requesting more information about debt since this company has placed a judgement against me. What I received was a letter stating that this my debt for card XXXX, when it was opened by XXXX XXXX XXXX ( never heard of ) and when it was charged off and sold to LVNV funding. They state it is mine because my social security number is associated with this account. Can I have further proof that this is my debt such as a copy of where I signed to get a credit card? If so how do I request it? I have XXXX accounts with XXXX XXXX now XXXX XXXX, and if XXXX XXXX and XXXX XXXX are the same why would they give me more credit if I owed a previous debt to them. How can make sure this is right? LVNV has placed a judgement against me for something I am not sure of.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with Security Credit Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Security Credit Serv/   XXXX   XXXX  has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Mortgage (Conventional home mortgage) with HANCOCK MORTGAGE PARTNERS LLC (MD).
Issue: Trouble during payment process

Complaint: We have purchased our second home mortgage through XXXX XXXX XXXX. This was complete XX/XX/XXXX. The loan was sold to XXXX within the month after we settled. Now we received a text from Hancock Mortgage partners llc former representative for the company XXXX XXXX ( who has left that company ) to notify us that XXXX XXXX the mortgage processor sent us emails that they need more information ( that they missed ) about our Primary home mortgage insurance coverage to calculate the debt to income ratio. We received the text Wednesday XX/XX/XXXX. We were not able to get complete clarification on why they needed more information and the email reads they will call up the note if they do not get this information by Friday. I sent an email Thursday evening hoping to fix the issue with further information on how this will affect the current loan in place. Her response email is she is now out of the office till MondayXX/XX/XXXX. I tried to call XXXX XXXX but no response to my voicemail either. 
We have paid on time. We have asked prior to settlement if anymore information was needed but it appears due diligence on the companys part was not done as they now need to calculate the debt to income ratio again. 
I feel this is unfair to the consumer as we did our part already and now it is six months later. We do not even understand why XXXX is not contacting us but Hancock Mortgage who already sold the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other

Complaint: This is a continuation of Case number : XXXX. Despite Bank of America being told several times that I do not use a voice telephone due to the pain it causes me to answer it, they called me yesterday regarding the complaint I filed. When they were again told that using the telephone causes pain, they still refused reasonable accommodation of communicating with me via fax, portal, text, or encrypted email, leaving only US Mail with its intrinsic delays. The reasoning that any of these other methods is less secure than communication over a cell phone is laughable and discriminates against XXXX people who do not use voice phones.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, XXXX received a call from a representative of XXXX University regarding taking a class online. At first while talking to the consular, it sounds like I would be interested so I checked out the website but had not taken any class 's or gone to the University to participate in any of their class 's while living in XXXX, XXXX. 

I decided that I was not interested in taking any class 's online at XXXX University or I did not sign any agreement with XXXX University. They stated that they have an electronic signature on file. ( See attachment ). 

XXXX University kept on calling me about taking the class until I moved to a different location in XXXX, XXXX and there was no more contact with them. 

While I was living in XXXX, XXXX I started to inquired about my credit history XX/XX/XXXX and found XXXX University had place a balance own my credit report, owing them {$540.00} for classes I did not take online. 

Attach is the documents that ATG Credit sent to me, they are the third party that is trying to collect this money for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (OH).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX
   Recently while checking our credit report we noticed CitiFinancial is showing us as delinquent on our mortgage payments, We have consistently made our payment on a prepaid bank card and the receipts and dates are all downloadable and printable from the card. But Citi shows us as delinquent or total non-payment as of XX/XX/XXXX. I know Citi is leaving the mortgage business and the account number has changed and been flipped branch to branch the last couple years< then they never update the info on theaccount.  We have called and talked to a representative that says the payments show up on her computer but isn't sure why its showing delinquent on the report. Called her back a few days ago and she says she's having problems with people in higher positions than her changing the false delinquencies as it's Citi"s policy not to.....smh. I know this all sounds crazy and unbelievable but dealing with this company has been a total NIGHTMARE for my family and I. My wife and I want to refinance with another bank but with showing nearly 2yrs. of non or late payments, this makes this nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Auto) with Voss & Klein, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Voss & Klein are reporting a collection account on my credit report, that has not been validated. I have never received any letter which gives me XXXX days to dispute the validity of their claim. Under The Fair Debt Collection Practices Act, I 'm suppose to receive a letter from Voss & Klein that gives me the right to dispute this claim before placing the item on my credit report. Voss & Klein says the original creditor is XXXX, I contacted the original creditor and requested a copy of a contract, or credit application with my signature, which I never received. I only received a copy of a billing statement with an address I never lived, and XXXX phone numbers that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (NV).
Issue: Application, originator, mortgage broker

Complaint: I am very happen with the statis of a refinance on my FHA loan throughLoan Depot, applied XXXX XX/XX/XXXX and in XXXX told my wife 's XXXX hadexpired and needed to renew it! I had my original loan in XX/XX/XXXX and cardwas already expired XX/XX/XXXX I was told by my rep, I did not have to makemortgage payment until XXXX, it was adjusted in new loan! ( this was onhis cell ) not recorded ). XXXX XXXX card was renewed and told it was inprocessing and then on XXXX XXXX, I was told can not get loan, due tomissed payments! Contacted FHA and no help! I feel I should not beblamed in this case and loan should be reinstated! I did all they wantedand closed my accounts to be paid off and now have destroyed my creditand financial in ruin! It seems the laws are not to help anyone in need, retired, on social security, to be taken advantaged of!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with LTD Financial Services, LP (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I would like to bring attention to the illegal activity that LTD Financial Services is doing. I had spoken with rep XX/XX/XXXX about a settlement. She was very extremely rude. I wanted to know why my parents had been called, especially since I have not spoken with them in over 8 years. I asked what skip tracing tool was used to locate this information. She refused to tell me so I could give follow up with my concern with the skip tracing company. Either way I requested that all number but my number XXXX be removed. Then I offered a settle on the account to close it out at that time of {$200.00} right then over the phone. This card was impossible to make payments on. I could never log on online and I could never reach anyone over the phone to make a payment. I also never got any statements from them. If I was able to make any payments on this I would have. It was n't possible. It is n't like I did n't try. I left {$200.00} was a good amount and a fair amount due to the trouble. When she refused the settlement I asked for a cease and desist on the account. I also wanted a fax number to fax in a cease and desist. On XX/XX/XXXX I faxed in a Cease and Desist to XXXX with my account number on it of XXXX. A week later a received a letter in the mail from LTD for a settlement amount. I had also continued to receive several from that point on. Today XXXX/XXXX/2016 I finally answered when LTD called from XXXX. I spoke with XXXX XXXX ext XXXX. I advised him that I was under a cease and desist. He claimed LTD never received anything. I once again advised I wanted a cease and desist on the account and he stated he put it in for me and also gave me the same fax number as before. I will be faxing another cease and desist over again tomorrow. I also asked if they still would decline the settlement offer that I offered and he asked how much. I said {$200.00} today to close it out. He basically just laughed at me. Not very professional, but I understand the type of industry, it 's rough. Either way concern is that this company is illegally contacting people when they have cease and desists on account. They need to be held responsible for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CO).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   I requested a copy of my credit report that is when I learned that my former partner ( Borrower ) was no longer contributing to this loan and filed bankruptcy on it. Since I am the co-borrower I was held liable for this loan which I was never notified by former partner or Mortgage Co that this loan was in default. I contacted mortgage company in   XXXX   XXXX   at which time back payments had been caught up to date and at which time I requested information to modify this loan and also requested all information regarding this loan be sent to my address. No address update was made to this account and all communication was still being sent to my former partner in his name and to his address even after he filed bankruptcy on this loan   XXXX   XXXX   XXXX  . Starting in   XXXX   XXXX   I have left several voice mails to  the Residential Asset Manager assi gned to this account to date I have had no response. Have contacted reps and they said I have no choice but to speak to the asset  manager  and no one else is able to assist me. On   XXXX   XXXX   XXXX   a letter was addressed to my former partner and myself, sent once again to his address, regarding a request for loan modification. Information was completed and returned to mortgage company which I have followed up on multiple times and am still not able to find out any information regarding the loan or loan modification, all I am told when I contact mortgage company is I will have to wait to hear back from asset manger because this loan has been discharged, no idea what that means and no one there will explain it to me. I truly intend to repay this money that was borrowed but would like a little assistance in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXXI filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XX/XX/XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX 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 explanation
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with Johnson Mark LLC (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my equifax work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!! I have documentation to support this, and can send copys by email. Also XXXX XXXX responded to XXXX complaint and they stated in a letter that {$35.00} was refunded to me on XXXX/XXXX/XXXX for the garnishment that was completed on XXXX/XXXX/XXXX???? Ummm that dont make any sense

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Bank account or service (Other bank product/service) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Making/receiving payments, sending money

Complaint: banco popular se quedo con $5,000.00 dolares de una compra venta de una casa en el 
2012 me dijo que para regresar el dinero tenia que esperar 4 anos ya son los 4 anos y no lo quieren regresar nesesito su ayuda es el dinero producto de la venta de la casa .

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 08-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: First off ... I send in a request to investigate the misuse of my credit file and Consumer Financial Protection Bureau sends me an email to contact you. I have contacted CFPB over XXXX times, but only got through once. I 'm not calling again. Do the research and fix the issues that I am providing you. 

Equifax has been allowing companies unauthorized by me to view my credit file. I never gave approval for anyone to look at my credit file. I have also had a fraud alert in place with Equifax and I was under the impression that Equifax would contact me if someone was trying to apply for credit with my credentials. I have not applied for credit on some of the listed account on my file. I know that it is illegal for the credit reporting companies and for creditors to look at my file without my approval. According the FCRA, I am entitled to fines up to {$1000.00} per infraction from XXXX parties. Also according to the FCRA, it is illegal, unlawful and unjust to provide my credit file without my approval. I have not seen my signature on file with any of these companies, nor have I signed anything giving them approval to view it. Equifax is to blame for this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/2017 I spoke with XXXX ( extension XXXX ) at Credit Control Corporation who was not able to give me any information on the alleged debt that I owed and refused to answer any of my questions. She was not able to provide me any form of evidence with my signature on it between me, them, or XXXX. I have no dealings with this company and owe them no debt. They are illegally reporting this on my credit profiles and it is adversely affecting my credit score. As of today XX/XX/2017 I called again and spoke with XXXX who again was unable to send me any information with my signature on it on any agreements or contracts between me, them, or XXXX. She told me that the itemized statement is enough to validate it and it is not.They have absolutely no documentation whatsoever with my signature on it and refused to give me their license number or prove they are authorized to collect in my state.This is also day two that they claim a supervisor is not available.They are also one of two separate companies trying to collect on this same debt. They are reporting twice for different amounts ( {$210.00} & {$250.00} ). This is unable to be validated or verified and must be deleted per the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation