milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has requested a hard copy of my Credit Report which I did not request. It was reported by Experian on XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, SD 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 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX, I sent a request to validate a debt to ERC collections via certified mail. The letter was collected by XXXX XXXX of ERC collections XXXX and the refused to provide me with the information I requested to validate the debt. 

ERC mailed a letter stating that they were only able to provide me a copy of a fake bill form XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time period I did not own any service from XXXX XXXX XXXX as my current service is through XXXX. 

Since ERC is unable to validate the original contract or source of this debt, I am requesting that this item is removed from my credit report and updated to all XXXX major credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LTD Financial Services, LP (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: We got a call at about XXXX XXXX on Friday, XXXX XXXX. The debt collector was calling from XXXX. He called to ask about XXXX XXXX, and also asked if we thought she could ever put our house as collateral. This alarmed my mother and I, as it gave us the impression that our home had been illegally placed as collateral on a loan. I asked the caller to identify himself ; he said his name was XXXX XXXX and was calling for LTD financial services. As a result of this call I ended up divulging phone numbers for other members of my family out of fear.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have applied for a hardship repayment plan numerous times. The first time information was sent to my home address. I signed the documents, provided the requested information, then mailed it back in. When I called the rep he/she stated, the department probably could n't read my documentation so my claim was denied. I requested the faxed number, and resubmitted the information, so that I was sure the information went through. I received the confirmation page, but never received any communication from Navient regarding the hardship repayment plan. My loan has been in forbearance while waiting for approval or denial. I will be calling again on XX/XX/2017 to ask more questions, because the forbearance has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Home equity loan or line of credit) with Sortis Financial, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Home Equity loan serviced by Clear Spring Loan Services. I filed a complaint with the Alabama Dept of Banking because the Loan Servicing company was not accurately applying my payments to the loan nor accurately accounting for my funds. I also filed a complaint with the Consumer Financial Protection Bureau and was assigned case number XXXX in XXXX, 2014. I was advised that the Servicing Company, Clear Spring Loan Services had responded to my complaint ; but I never received the response. 
I have had XXXX several times and was restricted by physicians from pursuing this matter until now due to the health issues that were being caused by XXXX from this matter. 
As a result of my complaints, Clear Spring Loan Services transferred my mortgage to another company without refunding any of my funds that were never applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX   app requests bank transaction status to deposit funds. App states that  Wells Fargo doesnt s end updated information in a timely manner.

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 09-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My home was purchased XXXX XXXX XXXX for {$140000.00} the mortgage was sold several times with BofA being the final owner of the loan. There was a XXXX mortgage taken out with Countrywide of {$39000.00} when BofA purchased the loan from Countrywide the mortgage went from {$140000.00} to {$200000.00} my thought was the XXXX was included in the transfer to BofA. I have since been served with intent to foreclosure from a company called XXXX XXXX XXXX who claims to have the deed for the XXXX from Countrywide in the amount of {$21000.00}. I have contacted BofA several times on this issue before I received the foreclosure documents from XXXX XXXX. No one can give me any answers on how my mortgage went from {$140000.00} to {$200000.00}! The auction sale of my home is to be XXXX/XXXX/XXXX I have had to hire an attorney to try to stop this foreclosure and to date I have not heard from BofA. I have not missed payments with BofA mortgage my account is current.

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 02/14/2018 about Debt collection (Medical debt) with CB1, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: SEE ATTACHED. Petitioner incurred roughly {$220.00} in services at the XXXX XXXX XXXX  XXXX XXXX. Petitioner paid {$25.00} on-site as a deductible and the XXXX XXXX XXXX XXXX XXXX said they would bill his insurance. For whatever reason, they then began billing him for {$190.00}. Petitioner attempted, unsuccessfully, to have them charge his insurance company and ultimately paid the {$190.00} debt out of his own pocket. Now, four years later, Petitioner has learned that the XXXX XXXX XXXX XXXX XXXX never accurately reconciled the debt as being paid and, to make matters worse, sent the debt to XXXX XXXX XXXX, a debt collections agency in XXXX XXXX, MT which has been falsely reporting the debt as being unpaid and in " Collections '' to credit bureaus. Worse, they have been levying " fees '' and " interest '' on a debt which had been paid off years earlier. Both Defendant 's have been notified of their errors and have refused to correct their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Global Lending Services LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive made several complaints about this issue which isnt resolving. This company has an old debt on my credit thats not supposed to be there and needs to be removed. Its at the 7 year mark and they are still reporting inaccurate information. This company violated my rights by repossessing a vehicle and never sending a RTC ( right to cure ). Ive tried several of times to work this company and theyve refused to do anything on my behalf. I spoke with an attorney recently, and Im in the process of filing an lawsuit, if we can resolve this issue I will drop the case if not we are taking this matter to court very soon. Theyve also contacted me recently and its been expressed to them to never contact me. Ive told them several of times to cease all communication with me and theyve violated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Total of {$100.00} in over draft fees taken out when my account is not supposed to allow over drafts to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: Reporting company used your report improperly

Complaint: My information was exposed in the recent hack of Equifax 's data. I have received no specific information from Equifax on what data was exposed, and have only been offered credit monitoring at the potential cost of releasing them from any liability for their compromising of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

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 11/19/2016 about Debt collection (Payday loan) with BlueChip Financial (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My place of employment received a call from a XXXX XXXX from XXXX XXXX, XXXX, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX XXXX XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from Spot loan ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.

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 01/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted by Conns on XX/XX/2016 to make a payment, they wanted to set up a payment to come out of my checking account on Thursday, XX/XX/XXXX, I told them I could not set up an automatic payment for that day, I had to see what I had in my account and then I would call them, he then said he could put on Sunday, XX/XX/XXXX, and I agreed to this for a payment in the amount of {$130.00} for that date. On Friday, XX/XX/XXXX, I logged in to my bank account and seen that Conns took the money in the amount of {$130.00} out, this was not agreed on, on the phone call the guy would say on Friday, I corrected him twice. 
When I called Conns on XX/XX/XXXX, to complain that they took the money out 2 days early and that it caused an over draft on my bank account. ( XXXX @ {$29.00} = {$87.00} ) they told me that a supervisor would have to review the phone call and someone would call me back that day, no one called, so I called them back that evening, they told me the same, someone would have to review the phone call recording and get back to me, but I never got a call from them, so on XX/XX/XXXX, I called them again, this time they told me they needed 72 hours, or 3 business days, which means it would be Tuesday before someone would take care of this, in the meanwhile what little money I did have, I can not access because my account is in the negative for them taking out the money before the agreed upon date. 
They were supposed to take out the payment on XXXX/XXXX/2016 of {$130.00} then, instead they took the payment 2 days earlier on a date that I did not agree on, they said they would have to review the phone call and then they would let me know, they said someone would call me on the XX/XX/XXXX, I did not get a call from them, so I called them and they said the same thing, that someone would call me. I called them back on XX/XX/XXXX, now they said they need 72 hours to review it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion intentionally and knowingly reports different credit scores to lenders than consumers. 
Transunion has reported to me on XXXX different credit monitoring services credit scores that are XXXX point HIGHER than they reported to merchants when I recent applied for credit. 
This DUAL reporting system Transunion & other credit companies use causes consumers more money due to high rate loans and refuses for credit. I have been harm by several refusals for credit over the past XXXX days AND HIGHER interest rates for loans due to this FALSE reporting by Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: EDUCATIONAL CREDIT MANAGEMENT CORP calls my cell phone and home phone multiple times a day. They call from multiple phone numbers. The last time I spoke with them, I provided my home address and told them I only wish to communicate by letter. 

This defaulted student loan debt is already in involuntary repayment through tax offset. 

I know that repayment options negotiated at this point will not stop the tax offset I want to stop the phone calls.

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 04/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our homeowner has been actively pursuing a sale of their home over the last 7 months. While he is behind in his payments to Nationstar Mortgage, he is doing everything in his power to sell his home and payoff the loan in its entirety. To this point, we had failed in finding a successful buyer but now we have a full price offer that more than covers their payoff. I have been in contact with nationstar for payoffs and this week I was in touch with them on XXXX XXXX asking them to delay a foreclosure sale date for this upcoming XXXX, XXXX XXXX, 2015. To this point, they have failed to process the documents timely and are denying a postponement of the sale. They are delaying getting their own internal payoff numbers and this is causing potentially devastating harm to our owner. At this point we need Nationstar to extend their auction date in order to allow us to close our sale and allow the payoff of the loan. Our homeowner will not lose his home, he will file bankruptcy as a last ditch effort to save the home he has lived in for nearly 20 years. Nationstar refuses to listen to our plea and repeatedly cuts us off during conversation. The problems they claim to see on the documents, are not real problems, and they will listen to our explanations for them. We need someone to step in and handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To Whom it May Concern XX/XX/XXXXEquifax, XXXX. XXXX XXXX, XXXX, Georgia XXXX am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : Name issue : XXXX XXXX ; XXXX XXXX XXXX THOSE NAME WAS NEVER MY NAME OR ANY FORMER NAME My correct name is XXXX XXXX DOB XX/XX/XXXX SS NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the last 3 months ( XX/XX/2018-XX/XX/2018-XX/XX/2018 ) I have contacted XXXX XXXX XXXX about a two debts reporting on my credit report that I owe the amount of {$950.00} and {$610.00}. I have requested them to provide me with a copy of any viable evidence, bearing my signature in which they have failed to do. I'm enclosing the certified letter that were sent to them and the response letters I received from XXXX. Each time they have sent me the same letter just change the date not validating my request.

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 02-10-2016 about Debt collection (Payday loan) with Check Security Associates, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Was recenty contacted by several family members stating that they were contacted by XXXX XXXX @ XXXX Case # XXXX. That is fine to locate me but it was disclosed that they were trying to collect a debt, and gave my banking information. To another family member they represented themselves as attorneys, and that they needed a statement for a pending judgement case. To my understanding both of these are violations of the FDCPA, and I would like to know what can be done about it. I am not saying the debt is not mine, but I am not sure if a law has been broken here, I need to know what recourse I have in protecting myself. I mean if I give them my payment information whose to say they do not take more than I owe if they are willing to break the law to try and contact me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Debt Collection company Americollec t Inc  Loan agency in  XXXX , Wisconsin Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , WI  XXXX  On Monday   XXXX /17    at   XXXX   XXXX   the Company called Americollect Inc. and left a voice message on the Federal Bankruptcy Courts office line. They only identified themselves as a debt collection company with no other identifying information. This company called the previous Thursday    XXXX  /17    at  XXXX  in which I informed them to remove the number from their list. On Thursday    XXXX  /17    I was informed they would remove it and not contact the  Federal  Bankruptcy  Court  again but they did not obviously. I once again have told them to remove the  Court 's  Number but also informed them I would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation