milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aldous & Associates, PLLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and used to add XXXX extra cell phone lines to my XXXX wireless account. After filing fraud with XXXX and getting affidavits of fraud for each individual line added to my account and police report and countless conversations with XXXX, the extra cell phone lines were erased off of my cell phone account. So because the lines were canceled, the company XXXX XXXX has been coming after me saying I canceled the insurance for those fraudulent lines and that I owe money to them. I did not comply because I never signed a contract with them during the fraud and it was forwarded to the company Aldous and Associates who have been threatening to send this into collections and that I owe {$800.00}. Please help me put an end to this.

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: Account status incorrect

Complaint: This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
<P/>
I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Sent the attached letter to the credit company at the same time filed with CFPB. This credit report is a joke. Its 90 percent wrong and I paid {$39.00} for it. See attachment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I made my XX/XX/XXXX payment for my morgage on XX/XX/XXXX, then when I went to make my XX/XX/XXXX payment Wells Fargo tried to do a double payment which I advised them they could not and they did reverse it but made my account 2 months past due which is incorrect, I am currently current on my mortgage and they refuse to listen to me or even contact me back when I do contact them. I have all my payment records here which is only a little over a year and a half proving I have made my payments, I admit in XX/XX/XXXX I made some late payments but for XX/XX/XXXX I have been ontime. They current have my due date being XX/XX/XXXX and saying I am past due which I am not and I have all the doc 's to prove it, that I am due for XX/XX/XXXX but I am making that payment today and I have a copy of that check as well. I have worked really hard on my credit and they are going to ruin it by them trying to rip me off!!

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly XXXX XXXX in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.

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 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: debt is not valid see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Payday loan () with Enova International, Inc. (TX).
Issue: Can't contact lender

Complaint: i have numerous emails that have come thru my job regarding issuing warrants, threats. also many vulger phone calls in which i am called every nasty word there is and my daughter also regarding XXXX her, my XXXX XXXX, etc. if i did have a laon with them i have no knowledge of this debt not being paid. i need documentation from them but can not get it. if i had a loan which i have n't done a payday loan in years i would remember this. i can provide bank documentation from bank. but i need to know where they come up with this debt they say i owe.. i received an email today that a warrant will be issued tomorrow XX/XX/XXXX at XXXX. Arrest warrant I 'd : - XXXX which will be going to release on Friday XXXX XXXXAttentionThis is the last and final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of Cash net usa Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXXAmount Outstanding = $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with State Collection Service, Inc. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XX/XX/18 XXXX called the work place of XXXX XXXX from XXXX. XXXX then disclosed information to a co-worker. XXXX never should have called the place of employment much less disclosed information. After this she threatened XXXX by saying " now i know were you work AND where you live! ". These are not acceptable practices by a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Trouble during payment process

Complaint: I requested, in a Qualified Written Request on  XX/XX/XXXX  on a number of items, detailed in a letter attached an d SunTrust re plied on  XX/XX/XXXX . Suntrust  : 1 ) Fa iled to provide me the requested items particularly modification documents from  XX/XX/XXXX / XX/XX/XXXX .  <P/>  2 ) F ailed to address my concern in a modification request that  my Uniform Borrower Request sho ws affordability of the mortgage.  <P/>  3 )  Asked me in  XX/XX/XXXX  to make  3 Tr ial Payments, all of which they received and of which SunTrust confirmed in a  XX/XX/XXXX  reply to CFPB yet SunTrust has disregarded its  XX/XX/XXXX  approval and confirmation that the modification was approved.  <P/> 4 ) Sent two misleading letters to me on  XX/XX/XXXX  that it was reviewing the new modification and and a letter denying the request. Both letters arrived the same day.  <P/>  5  ) Denied a request for forbearance in a  XX/XX/XXXX  application for modification and false noted that I did not mak e 3 TP Ps timely and therefore my  XX/XX/XXXX  modification was rejected when SunTrust had the three TPPs timely.  <P/>  6 ) Nev er asked me to support my income in th e Uniform   Borrower Appl ication submitted in  XX/XX/XXXX  and if they had, it was improper, in that  SunTrust  had my tax returns as part of the application for relief and I signed documentation that the items submitted were true, correct, and accurate to the best of my knowledge.  <P/>  7  ) Did not submit a denial of the modification request for almost 90 days after they had all of the data to make a credit decision.  <P/>  8 ) A scertains that it can not make a modification approval even though my application was complete and showed historical income to make the payments by my tax returns.  <P/>  9  ) Appears to be continuously to be fraudulently responding to me and the CFPB and such should replies should be referred to the U.S. Attorney General.  <P/> 10 ) Asked me to submit a second request for modification and then wholly disregarded the data submitted as to income and expenses.  <P/> 11 ) Noted that my loan is 28 months past due when it issued a new modification in  XX/XX/XXXX  and the payments I made to obtain the modification were received timely and Suntrust represented to the CFPB what I was supposed to do and I did it timely.  <P/> 12 ) Has continuously noted my mortgage on my credit report as delinquent during the payment period on the mod request i n  XX/XX/XXXX  con trary to what SunTrust reported in writing to me before and after the modification that there would be no negative credit reporting.  <P/>  SunTrust,  via  XXXX   XXXX , a Officer in the Mortgage Escalations Team, has not replied to my numerous request on the last TPP that was paid to SunTrust

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 04/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been paying our mortgage on a biweekly basis sending over half a payment at a time for several years without any problems. XXXX XXXX sold our loan to Nation Star mortgage and we continued to pay biweekly. Nation Star began sending letters saying that they put our partial payment into a " suspense account '' until the remainder of the mortgage payment was received. The letters were regularly inaccurate saying we owed double our regular payment at times. We contacted Nation Star regarding these letters and were told to disregard their collection letters that our payments were current. We continued paying biweekly and ignoring their constant harassing daily collection calls and inaccurate monthly letters telling us funds were in suspense showing inaccurate amounts owed. 

We have since found out that Nation Star has reported to credit bureaus that we are delinquent on paying our mortgage payments causing our credit scores to drop over XXXX points. We have contacted Nation Star to have them review our account and were told they are right ; we are delinquent and owe them money. After protesting and attempting to go over our recorded payments since they took over our loan in XX/XX/XXXX, I was rudely told I can fax them information of our payments for them to further investigate. I printed my credit union 's records of payments for a year, and faxed the information to the Customer Service Rep XXXX XXXX with the fax number she provided on Friday XXXX/XXXX/XXXX. 

We attempted to follow up with Nation Star on Tuesday XXXX/XXXX/XXXX to verify they have received our fax and have not received a return call. This is unacceptable to us. 

In error I sent a double mortgage payment via ACH in XX/XX/XXXX in the stress of this situation. I requested to have the extra payment returned to my checking account, but of course Nation Star will not return my money since their records show I am delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX cfpb Re : Bayview Loan XXXX XXXX XXXX XXXX XXXX XXXX I have sustained unmeasurable financial and personal loss as a result of the misleading and unethical conduct of Bayview Loan Servicing. I believe I am due a substantial reduction of fees, interest, and principle as a result of the gross mishandling of my mortgage. The attached timelines chronicles the events that effected this situation, to date. I must stress it was based upon Bayview advised that I decline the original modification as the offered a principal reduction program of which my approval was " eminent ''. 
1. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( loan XXXX ). Shortly thereafter the loan servicing was assigned to Bayview Loan Servicing ( account XXXX ). 
2. XXXX XXXX, XXXX. After 22 months qualified for Home Affordable Loan Modification - Representative 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX. XXXX ). 
3. XXXX XXXX, received notice that I qualified for a new modification based upon a national mortgage settlement reducing monthly payments " up to 39 % ''. From XXXX XXXX Bayview Loan XXXX XXXX. XXXX XXXX, XXXX - received notice of approval on XXXX XXXX XXXX XXXX 5. On XXXX XXXX, XXXX as instructed by XXXX XXXX ( per the advice of his supervisor ) to decline loan modification and apply for settlement program, which I did. 
6. Over a period of a year, supplied documentation to XXXX. Each time he acknowledge and stated things were moving along well. 
7. XXXX XXXX, XXXX receive notice of Default and Intent to Accelerate from Bayview. XXXX year after being advised to decline loan modification. 
8. With the assistance of XXXX XXXX international ( client XXXX ), Representative XXXX XXXX XXXX Bayview re-opened modification program application. I was under the assumption it was the same program XXXX proposed, assigned to XXXX XXXX at Bayview ( who has been most helpful ) XXXX. 
9. XXXX/XXXX/XXXX Approved for loan modific ation ( not from settlement ) program with a massive balloon payment of {$310000.00} but a lowered interest rate. Far from the 39 % reduction I was lead to believe. Representative XXXX XXXX XXXX x XXXX. 
10. XXXX/XXXX/XXXX XXXX XXXX informed me they do not offer settlement reduction modifications. I said I had a copy of the proposal, which I forwarded to him ( attached ). 
Please note if I proceeded with the original modification, rather being instructed by Bayview to reject it, I would have been making payments over the past 23 months, there would not be an extreme past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (I do not know) with Van Ru Credit Corporation (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated robot calls for a different person of my last name only. They are using me for there fishing expedition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving medical collection letters and although I have on numerous correspondence requested that they provide proof of the debts the company refuses to do so. The balances keep getting higher but I get absolutely no correspondence addressing my request. This is becoming a great concern for me and my family and I believe it 's a violation of the fair debt collection practices act which states that a collection agency must provide proof of a debt within 30 days and to cease collection when it is not the victims debt. There are other violations I believe that a good attorney would litigate. I am also filing a complaint against and with XXXX XXXX regarding this discrimination.

Company response to consumer: Closed with explanation