milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Stellar Recovery, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I am currently under chapter XXXX Bankruptcy proceedings, which was filed on last XX/XX/XXXX. I  had included a debt from XXXX XXXX XXXX TV programming in the amount of {$350.00} and had the Bankruptcy court notify them and their collections agencies at the time via The Court proper channels. But out of the blue on XX/XX/XXXX I received an email to my private personal email account without my authorization from Stellar Recovery, INC. demanding payment for such account. After immediately contacting them and explaining that they were trying to collect on an account that was already included in chapter XXXX US Bankruptcy court and had no business collecting on, I was assured in writing by one of their employees that " they will remove '' all of the negative information from the credit bureaus. Today is the XX/XX/XXXX, a month later and nothing has been updated with the credit bureaus as of just yet. What is more infuriating is the fact that this collection agency, went as far as reporting this to the credit bureaus as a new account altogether on XX/XX/XXXX in total violation of the US Bankruptcy Court, and this was without waiting from a response from me personally, which by law it should had been 30 days after receiving notification from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: APR or interest rate

Complaint: Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.

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 10/15/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Unfortunately it has come to my attention after paying my mortgage each month I was in defaultt for nonpayment by my wife. unknown to me they call me direct which I made my payment in full and and current and mailed it to them. but they sent it back stating the next payment was due and return The check back requesting another payment due each time and each time they will send another check this was done numerous times .till I was sent a foreclosure notice and then the sent The checks. I imediately retained a lawyer to represent me in the foreclosure matter .I was told that this would take some time. after waiting for an extensive amount of time. I went back to the lawyer what I was told that there was no set date yet. fed up with waiting on XX/XX/2016 I want for consultation with another lawyer. when she did her research on the case file it was brought to our attention then that the foreclosure process was done and the house is sold one year prior. they stated we were notify about the whole process by sending notice to XXXX kids in college XXXX XXXX an XXXX XXXX there were no notices or statements I was not notified in any time or anyway. I was never given a chance to protect my house which I invested in or shelter for my family. I was treated unfairly even at the closing purchase of this house I was told by my by my lawyer in all his years of practice he has never seen anything like this I was fed to the wolves. to whom it may concern I am asking you to take a good look at these people and my case thank you in Advance 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 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. 
Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am dealing with Navient for XXXX private student loans. My sister paid {$11000.00} towards my loans to have her name remove as a cosigner. These loans went through XXXX collections agency and XXXX of them had no knowledge about the {$11000.00} payment. I started checking my account online and notice that navient did n't post the {$11000.00} to my account. I called them numerous of time and printed out documents from the online account. Then one day I decided to go on my online account and there goes the {$11000.00} payment but the balance remanded the same. First they told me that the online account does n't update because my account is with an collection agency and the information was n't correct. I asked them to send me information on my account and they only sent me information of my payment with the same balance as the online account. My thing is if the online account does n't update then why is the statement the same as the online account and why is my recent payment updated on there. I tried to get more documents on my loans and they refuse to send it me stating they was n't able to send me any documents. They keep sending me the same statement every time when I ask for something more detail. I try to contact the attorney that the judgements are with, but I get no answers and they never return my calls. They also had no knowledge of the {$11000.00}. I been going through this for three months trying to find the right balance because I calculated everything possible way to come up with the correct balance and it not coming close to anything they have and they refuse to send me documents and is giving a the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am a victim of identity theft, however I can not see what my social security number has been used for as I can not access my own credit report. I discovered that I was a victim though a background check that my employer conducted. 
I can not file a Identity Theft report at identitytheft.gov because I can not get my credit report. The only option available to me is to send an application by mail, which is time consuming considering the pressing nature of my situation.

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 04/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I noticed on my online checking account a debit of XXXX I from an unauthorized source. I called the bank since it was pending debit and was told that they would file a claim to have it removed. My husband notified the company because it was a charge from a previous contract and had it cancelled. He provided the bank with the cancellation number. 
The customer service rep took the information and credited our account. 
When I checked my account the next day XX/XX/XXXX, the amount had been debited again causing an overdraft, and there was no record of the pre- vious debit or credit from the night before. I called the bank again, and the customer service rep transferred the call to the claims dept, and there wa no record of what had transpired, and I was told that we had to wait 15 days to see the money credited again. I asked for a manager, and was put on hold and then told I had to call back tomorrow. I asked for the address to write to the dept manager, and was told that they were in XXXX .... My concern is that there was no record of what transpired the day before, and this is a large financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 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 belongs to someone else

Complaint: I have tried to correct the issue with Experian I have submitted police reports and the account credit acceptance was deleted and 3 months later it was placed back on my credit.

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 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a bed frame from XXXX XXXX XX/XX/XXXX and when it was delivered it came in an open box with missing parts and missing instructions. I called the store to have them replace the item and they said they would but failed to pick up the item and give me a credit. SO I called my credit card and opened a dispute. When I did this Citi sent me a letter requesting some information and I immediately filled out the letter and sent it back in by mail as this was the only option given to me. During that time I received an email on XX/XX/XXXX stating they have received my letter and would have an answer shortly. The next day XX/XX/XXXX, i was told I did not mail the letter and declined my claim. I called them about it and they hung up on me twice before I was able to have the case reopened. 
I am shocked and disturbed th
at Citi card actually allow merchants to give broken/incomplete items to its customer. I have had to make over 7-8 different calls and send written letters to make my case. This is a perfect example of how a credit card makes it hard to place a dispute, they are not protecting their customers at all. This is a stalling/deterring tactic so consumers can be taken advantage of.

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I signed a contract lowering my XXXX Citibank Mastercard to a lower interest rate. Subsequently, I can not get Citibank to credit my account for a clear fraud issue. They are calling my account a " hardship account '' and will not take information on disputed transactions. Six documented phone calls, some lasting one hour and up to eight transfers, I learned the request must be in writing. Multiple written requests over the past few months have yielded a credit on XXXX fraudulent tranaction of {$59.00}. There are a total of XXXX transactions to same fraudulent vendor that I have asked them to credit. I have provided all details of these transactions. Instead I am getting multiple notices about the XXXX transaction of {$59.00} that was credited. This is not a normal or fair response.

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 monetary relief
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company keeps sending third parties to my house to do site inspections. I have contacted them via writing to let them know that we are currently living in the house. The company replied to me regarding my request to have them stop their site inspections. The letter dated XX/XX/2017 stated that " please note, inspections will continue as deemed necessary ''. The reason I asked them to stop is that our son suffers from chronic mental health conditions. When he sees strange people walking in our driveway and taking pictures it causes mental health distress for him. I also suffer from panic disorder and these actions are detrimental to my family 's well-being. My understanding is that as long as I am communicating with them stating that we still live there ( which I have been ) that there is no need to continue to inspect the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank  of America allo wed an account to be fraudulently opened using my personal identifying information without my authorization or knowledge in another state. I contacted B ank of America  and informed them of this to which they replied the account had been closed but my personal information including drivers license, social security number, name, and date of birth are being retained in their " black list, '' and as such I am unable to open an account with them, even though it was confirmed fraud and the account was opened without my knowledge.

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 01-12-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice of XXXX XXXX XXXX dated XXXX/XXXX/16 from Shellpoint Mortgage Servicing. It is impossible for my policy to lapse because the my lender pays the insurance out of escrow and I never called to the cancel the insurance nor did I receive a notice of non-renewal from the insurance Company. On XXXX/XXXX/16 I called my Insurance agent to verify that our coverage had been maintained without gaps. My Insurance agent was not surprised that I was experiencing this sort of problem with Shellpoint, my agent has heard similar complaints from other customers about Shellpoint. I called Shellpoints insurance Department on XXXX/XXXX/16 and spoke to XXXX. XXXX looked at the information they had on file and could not find a lapse in coverage. She could not provide an explanation for why I ever received this letter.

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 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection recently showed up on my report for {$250.00}, for what looks like an apartment management company as the original creditor. I Googled the original company, and while I 've lived in XXXX of the states where they have complexes, never in those cities ( e.g. lived in CO, but not XXXX ). I even looked up the old complexes that I did live in, and they have n't changed management. I wrote a letter to the collection agency stating that I need proof that the account is mine, and I stated everything I stated above. I went on to say that if I found that I was responsible for the debt, I would pay it promptly ( I have moved 5+ times in 2 years, so I 'm not trying to skip out on a debt, I may have just missed it ). I also disputed it across XXXX, XXXX and XXXX, but it comes back saying " Updated : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The collection agency has not responded to my letter, however, on my most recent credit report update, the collection is now reflecting as " closed ''. But it is still there as a negative mark. I do not understand. Are they unable to validate and instead of telling me that and removing it, they just mark it closed? This is negatively impacting my credit score at a time when I am trying to rebuild.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original  creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me
( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this  matter to enforce my rights under the FCRA

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