milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with Glasser and Glasser, PLC (OK).
Issue: Using a debit or ATM card

Complaint: I received a letter from Glasser and Glasser law firm stating they are retained by XXXX to collect a debt of {$7600.00} on an account that I have never owned at any time ending in XXXX. They said it is XXXX and XXXX Customer Service has no record of that in my name or of hiring this law firm. I believe it is either a scam or a fraud of identity theft. Please help me get rid of this.I have a Federal Trade Commission Report Reference # XXXX on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: X/X/17 Three, Unauthorized transactions occurred on my checking account, via my credit/debt at an ATM/ATMS according to Chase BANK. 
The following are the transactions from my account with the associated address of said ATM machines. note : ( ive never ben to these address nor authorized my card to be utilized ) XXXX XXXX XXXX XXXX, XXXX TX, ( NO ZIP PROVIDED ) - {$100.00} and - {$62.00} XXXX XXXX XXXX XXXX, XXXX Tx. ( no zip provided ) - {$200.00} Id not noticed the transactions for 2-3 days I believe. 
Naturally, I inquired as much info as I could about the transactions. 
I dispute the charges bc they where not done by me nor my agent nor anyone acting in regards to me Completely unauthorized. 
Aside from my funds not being returned, Im highly upset at the the outcome/disposition of the " so called investigation '' involving said transactions. I feel that if a proper investigation had been conducted, the finding/outcome would have been in my favor .No request to view video footage at the ATM machines nor parking lot video. no merchant call, no visit. 
Based on Chase Banks policy's/ guidelines seem to have been authored with the companys best interest in mind making it unfair for me the consumer.I place my funds in banks because Im told the money is safe, the money is insured. if not for clients insisting on using Chase Quick Pay, it seems that my funds are not safer in a bank verses my home. 
Last point of disgust, whether my pin number was used or not does n't mean I authorized the use of the card. Pin numbers can be guessed. At some point I was asked did I have the card in my passion ... .I replied Yes. However I now believe the card Id had in my position may not have been the card that was used at the above ATM machines.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I monitor my credit regularly and this time I pulled my credit report and saw that First credit Services reporting that I owe a debt in the amount of $ XXXX.I disputed this with the credit bureau and it came back as 'Account Information disputed by consumer ; meets FCRA'.This is not my debt and I want it removed. I have never signed up nor have I ever stepped foot in a fitness center! This is not a debt of mine and I am demanding that it be removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was discharged in bankruptcy in 2015. This company Rent Recovery refuses to remove from my credit report and refuses to stop reporting. When I spoke to a rep on the phone the man said that it would not be removed until it was paid in full even though it was a discharged debt.

Company response to consumer: Untimely response
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Debt collection agency contacted my employer stating that they needed permission to serve process at my job. When I received the contact information of this agency I called them and was informed that they contacted my employer because they would be garnishing my wages at the maximum amount that the state statutes allows. I inquired as to whether or not the agency had received a judgement allowing such and their representative stated that they were beginning legal actions and that no such judgement had been entered.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with PMAB,LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Called and paid amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Item XXXX : The most recent payment history that I received from Ocwen on XXXX/XXXX/2015 shows significant variances in the principle balance over a very short period of time. Example of the variances are as XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX $ XXXX XXXX : Escrow balances on the payment history shows significant balance variances all shown on XXXX/XXXX/2015 of the report. The balance varies from a high balance of {$3600.00} to a low balance of {$560.00} all in XXXX day. The variance is {$3000.00}. Payments in the amount of {$1800.00} were made out of escrow for property taxes and home owners insurance payments. 
A reasonable person examining the payment history that Ocwen provided would not be able to determine whether the account balances on the mortgage are correct. 
The payment history provided by Ocwen reveals numerous accounting irregularities suspense adjustments, account balance reversals and variances that are not standard accounting practices or simple clerical errors and may constitute violations of both RESPA, CFPB rules and laws, or fraud. To date I have been unable to obtain satisfactory responses to my Ocwen complaints from the Ombudsman, Relationship Manager, or any entity within Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I submitted a mortgage modification request to Nationstar Mortgage in XX/XX/XXXX, due to decrease in income for Husband 's job. Nationstar did not provide a response to our modification request until XX/XX/XXXX, 1 year later! 
A " sham '' modification was offered wherein a {$8000.00} up front payment was required along with a reduced monthly payment for ONLY 2 years. 
My wife and I appealed the " sham '' modification offer to Nationstar 's Appeals Division. Nationstar did not respond until XX/XX/XXXX, rejecting our Appeal. We, then, accepted the Modification Offer and Nationstar rejected the offer and said a {$14000.00} up front payment was required, with only a two-year " sham '' modification. 
They then sent correspondence in XX/XX/XXXX, wherein they said they were " reconsidering '' the modification offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Would not arrange income based payments and had to go into forbearance for my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with ERC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. 

Thanks XXXX XXXX

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 Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to to get rid of my mortgage insurance  from US Bank Home Mortgage. Th ey have been telling me multiple different reasons why I can not get it removed from my mortgage for over 6 months. I have done everything they have told me to do, including paying {$150.00} for an appraisal, paying an additional {$3600.00} principle payment in  XXXX   2017. Bu t It 's still on my Mortgage statement for  XXXX     2017 even af ter they assured me it would not be there. Why should I have to pay for their multiple misleading mistakes?

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 02-10-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX is attempting to collect a debt in the amount of XXXX without validation. I received a bill that I have no knowledge of. I believe this could be identity fraud. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2018 ( XXXX XXXX ) XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I spoke with the highest point of escalation with XXXX and they report that Equifax is blocking me from monitoring my credit. Additionally, every representative at Equifax in XXXX consumer division has told me that Equifax has deliberately and intentionally blocked me from credit monitoring services indefinitely. I need to protect my identity and credit accuracy with credit monitoring with all XXXX credit bureaus. I am being forced to pay {$15.00} - {$21.00} for a single Equifax report every time I need to check for inaccuracies versus a single monthly payment of {$2.00} - $ XXXX/monthly, a discount offered by XXXX XXXX XXXX XXXX for Equifax credit monitoring. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Mortgage (Conventional fixed mortgage) with SIERRA PACIFIC MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I received a written Annual Escrow Account Disclosure Statement dated XXXX XXXX, 2015 from XXXX XXXX Mortgage explaining that I had too much money in my escrow reserve account. The letter included their Check # XXXX dated XXXX XXXX, 2015 in the amount of {$210.00} with my name as the Payee. I attempted to cash that check on XXXX XXXX, 2015 at a branch of XXXX XXXX XXXX where I have several accounts. After 30 minutes and several phone calls, the XXXX representative advised me that Sierra Pacific REFUSED to honor the check -- the XXXX representative told me that Check XXXX was no good and I had to contact Sierra Pacific to get the issue resolved. I immediately called Sierra Pacific at XXXX and spoke to their representative. She told me that Sierra Pacific was aware of the problem, that there were several accounts with the same issue, and that Sierra Pacific would immediately issue a new check and mail it to me on Friday, XXXX XXXX and I would receive it by Tuesday, XXXX XXXX. On Friday, XXXX XXXX, I again contacted Sierra Pacific at XXXX and spoke to another representative and I learned that NOTHING had been done. I requested to speak to a supervisor and my call was placed on hold -- I remained on hold for 40 minutes. I called back and spoke to a representative named " XXXX '' and she also placed me on hold waiting for a supervisor. I learned that customers requesting to speak to a supervisor were simply put on hold and the majority of those calls were not ever picked up. I was able to convince XXXX to give me their Fax phone number and she also allowed me to leave a Voicemail message in the supervisor mail box. The Voicemail message stated that it belonged to a supervisor named XXXX. I left an informative message in that mailbox. Also, on XXXX XXXX, I faxed my letter to Sierra Pacific Mortgage to their Fax number at XXXX and requested my replacement check to be mailed immediately. I have verification that the Fax was delivered successfully. I have not received the check .. I have not been contacted by any representative of Sierra Pacific Mortgage. This insulting lack of customer service is unacceptable. I want the replacement check in the amount of {$210.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: # I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all  this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.

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 01/23/2017 about Debt collection (I do not know) with Ditech Financial LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting letters about a mortgage I filled for but never got. They keep changing debt collectors to try and collect on this. I have never gotten any money what so ever from XXXX XXXX. The latest is a place called Ditech Financial, LLC. They want me to give them all of my personal information before they will even talk to me which to me seems like identity theft. I do n't see how these people think anyone will give them their personal information just out of the blue without some sort of proof about what they are talking about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing my complaint because Equifax refuses to stand by their rules and standards as a company. I disputed an item on my credit XX/XX/2016. It is now XX/XX/2016 and the item still reads that it is under investigation on my credit report. Equifax refuses to delete this item after 4 months. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.

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 06-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: I got approved for a line of credit with XXXX XXXX for {$1300.00}. I made a purchase of {$2400.00} and the representative who assisted me stated that as a XXXX buyer and card holder we allow you to put it all on store credit. Not XXXX time did she mention that it would cause me to go over my credit limit. I then get my first bill and my minimum payment due was {$1400.00} and I did n't understand why. When I contacted the company that 's when they said I am over my credit limit. This caused my credit score to drop XXXX points. I contacted the representative who helped me back on XXXX/XXXX/15 and she no longer works at the same location and she also lost her position as manager and now is assistant manager because what she did was wrong and it was n't honest and she got in a lot of trouble. I told her everything that happened and she and her manager are disputing this issue. She said she takes full responsibility for her actions and she will provide a letter stating what has happened so I can dispute it to the credit bureaus but I still have n't gotten the letter. 
The credit company raised my limit so I 'm no longer over the credit limit but that still does n't take away the intial hit on my credit and they need to take responsibility of this or do a reversal so it shows I never was over the credit. The company also hit my credit for a late payment even though I was n't late so they waived the late fee but that does n't take away the initial hit on my credit. I 'm waiting to hear back from corporate but no one is assisting me with getting in touch with me and I need to have this resolved before XXXX/XXXX/15 because if it 's not I will return everything so I can fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I never have had any credit cards in my life ever. This is completely id theft. I never applied any credit cards what so ever.I am a female with XXXX children 's and I never have had any job to support the credit cards payments etc. am house hold women.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit reports from all 3 credit bureaus in XXXX and have 2 collection accounts from Choice Recovery Inc on all of my reports. I sent them a debt validation letter on XX/XX/2018 via certified mail to request original methods to verify and validate that this account is mine. I disputed the accounts with all 3 credit bureaus. One credit bureau removed one account, but Choice Recovery has failed to mail me any documentation to validate that this is a debt for me or what has been provided to the credit bureaus to verify that this debt is 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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Over the last two weeks I have spent hours on hold and never gotten a live person to tell me the status of my credit application.

Company response to consumer: Closed with non-monetary relief