milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and XXXX XXXX XXXX has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Billing disputes

Complaint: In XXXX of XXXX I was notified by the fraud department of my XXXX XXXX card they had detected some weird activity on my account and did not think it was me, I verified it was not me making the charges, it was only {$47.00}. They immediately closed that card or account #. It is now XXXX/XXXX/XXXX and they still have not taken care of the charges they do however keep adding the late fees to my account and it 's not {$150.00} and I call them every month and get the run around saying they will take care of it and they have n't yet. But they turned me in for negative payment on my credit report, which they should not of done since this is under dispute. I have sent in my statement of Fraud twice, I am at a loss on what to do.

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 08/22/2015 about Debt collection (Credit card) with Atlanticus Services Corporation (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (NC).
Issue: Closing on a mortgage

Complaint: We had multiple problems with AmeriHome. 1. The first issue we had was some unpaid property taxes in XXXX XXXX that resulted in {$450.00} in fees. After speaking with the mortgage company on multiple occasions and them ensuring us it was taken care of, we found out at closing that it was not and had to pay out of our money to cover the costs. 2. We recently received a letter from the company stating we were to receive a check in the amount of {$3800.00} that had been paid to the mortgage company from our tax office. With the letter was a check for {$170.00} for " Miscellaneous expenses '' with a different check number. When I reached out to AmeriHome to clarify what had happened, I was informed that the check had been processed but had not been mailed and that we should receive it within the next 30 days, if not sooner. After waiting for the check to arrive and it not showing up, I got back in contact with AmeriHome. There was no longer a record of that check. I spoke with 2 different employees that worked for XXXX, the mortgage company 's third party processing company who gave me two different answers on what was happening. I asked for them to contact me with an update from their tax department and received nothing. I finally called the corporate office and spoke to an employee there who informed me that there had been an error and we were not supposed to get that check. I do not trust that this is true as I was clearly lied to throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: my name is XXXX XXXX XXXX i have gotten a letter from bayview loan services # XXXX saying i owe more than XXXX dollards inclue taxes not true i pay off the taxes early this year i do will not pay what they ask i have a new mortage rate signed, notary new amount starting XXXX 2015 rate of 2 % -i am asking that you do your job and check u r suppose to help people but u have done nothing for me if i can every get thru to XXXX radio station i will tell him u have never help me even though he speaks about the company all the time on his show XXXX radio if u do not believe me u try getting thru and speak to XXXX tell the bayview i need them to check their info in system b/4 sending out letters i will only pay new payment, taxes not due till XX/XX/XXXX i will not pay any more if due then i will pay.thank u

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Advertising and marketing

Complaint: I opened an account with Citibank to consolidate my debt and take advantage of a 0 % rate. I set up the account and ask for no emails. 
They have started sending " hello, you have an account with us '' emails. The clerk says, if they have my email, they will be sending this email every month. 
It has no " unsubscribe '' link and she ca n't unsubscribe me either, unless she deletes my email from their data base. I want them to have my email, in case they have something of importance to say, but I wish to be left alone otherwise. 
Can you require them to leave me alone? 

Then, second, she has no way to forward a complaint to the corner office! I have to send a snail (! ) mail complaint to the following address Citibank XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I find this rude, contemptuous, and mean-spirited. 
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 05-04-2017 about Debt collection (Other debt) with Real Time Resolutions, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The  one company that finally responded to my client, Real Time Resolutions after  having the false loan since  XXXX   XXXX ,  XXXX ,, did so after it transferred the alleged loan to  XXXX   XXXX , that has had this false debt since  XXXX   XXXX ,  XXXX . I have learned that another debt collection company also had this false loan prior to  Real Time.  None of these companies contacted my client. My client had hired another service to help her and that company found the alleged debt and the collection companies on her credit report. My client tried to speak to the collection companies by phone, but was told that " the loan balance '' was owed by her.     In summary, my client entered into a land installment contract in  XXXX  ; was in the property for approxima tely 24 to 30 months ; was then locked out of the home and the land contract was terminated of record  and withdrawn. She was never deeded the property, therefore, she does not owe any money and, secondly, the property has been sold to another company for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap

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 08/19/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. ().
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hi, I am from XXXX and I travelled to the XXXX last year in XX/XX/XXXX - XX/XX/XXXX for three weeks. I felt very sick on XXXX XXXX afternoon and went to XXXX XXXX emergency ( in XXXX, CT ). They performed tests, gave me medicine and discharged me in the evening. I gave them my travel insurance details and my XXXX address. 

Yesterday ( XXXX XXXX, 2015 ) I saw a missed call alert on my phone XXXX XXXX XXXX - when I called back on the number - I learned that they are from Optimum Outcomes debt collection agency. The lady on the phone informed that XXXX XXXX forwarded my account to them for debt collection and that I owe them {$4000.00}. 

I then called the hospital and spoke to XXXX XXXX. She informed me that my account was sent for debt collection because insurance company had denied the claim. I told her that hospital had never sent me any EOB or bill or notification of this denial. XXXX XXXX informed me that I was not sent any bill probably because of an XXXX address. 

Can the hospital share my account details with a debt collection agency without giving me any notice? They did n't even send me an EOB. If they had problems in sending communications to XXXX address - they could have asked for a XXXX address ( a friend 's address/office address ) at the time of visit. 

It has been several months since the date of service and I am not sure if the insurance company will entertain the claim. This {$4000.00} equals approx. XXXX XXXX. It is a very large amount that I ca n't afford. If the hospital had informed me of this amount after denial ( they had my home address and email address both ), I could have talked to insurance company in time. 

I am an XXXX citizen living in XXXX. I do not want to have a bad credit history in case I get an opportunity to live in the XXXX in future. 

Requesting your help in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage and my mortgage company collects escrow and pays for my property taxes out of that escrow. Unfortunately, they collect the escrow but fail to pay the taxes, resulting in my being delinquent in my taxes and being fined by my town.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  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 04/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am getting daily robo-calls from an organization called XXXX which XXXX tells me is XXXX. Their robot insists that this an urgent business matter and told me to call XXXX. I have also never received any correspondence detailing what they want to speak about. I am on the do-not-call registry and I have never taken out or co-signed a loan of any kind in my life. I am hesitant to call them since this smells like a scam and their website does not allow anyone to contact them via email. I 've been blocking all the numbers they call from and it 's just annoying. I wish they would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by Diversified Consultants Inc in XX/XX/2017 regarding a collection balance with XXXX. During that conversation, I disputed with the validity of the debt with the representative. The representative told me that I could find the bills with the charges by going back to XXXX for the billing details. I followed up the verbal dispute with a letter disputing the collection. 

On XX/XX/XXXX, Diversified XXXX contacted me and I disputed the charges again. I dispute the amount of charges imposed by XXXX, as I could n't possible owe {$3500.00} for terminating my services after 10 years with the company. The representative again told me to go on XXXX to pull up the bill. This is a direct violation of the Fair Credit Reporting Act requesting validation of the debt. The representative offered me a settlement of the account and due to their unethical practices, offered me a settlement taking {$1400.00} off the balance. I continued to feel pressured to take the settlement as to not affect my credit rating. 

I accepted the settlement, gave out my personal financial billing information for the installment payments. During the call with the representative, I asked about the account now affecting my credit. The representative told me that, of course after getting commitment of the payments, then said that the account would be reported to the credit bureau the very next day. I asked for a letter confirming the payments and the arrangements and the representative said that they do n't have these type of letters to provide. 

I asked the representative to speak with a supervisor to understand that after being pressured into a settlement of an account that is inaccurate why would they continue to falsely report inaccurate information to the credit bureau. The supervisor told me that there is nothing that can be done, the account would be report and updated as " settled in full '' once the final payments were completed. But until that time, they would report the entire inaccurate balance of {$3500.00}, not the settled balance. 

The unethical practices of Diversified Consultants has damaged my credit, as I was in good faith trying to make arrangements and pay the accurate amount for the XXXX account. To this day, I still do not have the final billing or validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My complaint is with XXXX XXXX and Transunion. 

I recently read my credit report with Transunion. It listed a debt I had with a company called XXXX XXXX. According to the report the " account '' was opened on XXXX XXXX, XXXX and reported to Transunion on XXXX XXXX, XXXX as going to collection. I tried to call XXXX XXXX yesterday but their phone number was a number that went to voicemail. Their address is listed as XXXX XXXX XXXX, XXXX, TX XXXX. 

I never opened an account with XXXX XXXX. When I googled XXXX XXXX I noticed a number of consumers had also launched complaints with this company.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GLA Collection Company, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i did not receive a right to dispute letter from them within 5 days of beginning collection NOR have I received evidence from them that this debt is in fact mine. I have asked them repeatedly for over a year! This is obviously how they treat consumers and their rights. I have been asking this collection agency since XXXX/XXXX/2014 to validate the debt they report on my credit report and they refuse to answer while they continue to verify and report on my credit report. I have tried to look them up on the licensing board but I can not even find out if they are licensed in this State. 
I 've asked them simple questions which they do n't answer any of them. They obviously do n't care about following consumer laws. 
They are damaging me financially. They are the only collection on my credit reports and they are stopping me from getting credit that I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like the late status for the rating to be removed from XX/XX/2010 as 30 days. So that my account truely reflects what it should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with AAS Debt Recovery Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are trying to state my debt validation letter was a payment plan. The letter clearly does not state anything about payment. They violated my rights. I want full removal of trade line. No where indicates payment plan. They misrepresented everything I sent to them to fit to their agenda.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Disputed unauthorized inquiry on my credit reports ; Equifax & XXXX stated I needed to send letter to company who placed inquiry and state it was fraudulent and request removal. Sent letter to XXXX and XXXX stated it was for review process ; but did n't open account until XX/XX/XXXX. Inquiries are for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX was for XXXX XXXX. Never requested credit from company those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation