milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with Alliance Group & Associates LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received multiple calls from this agency looking for a XXXX XXXX. I am not XXXX XXXX. I have corrected them on this multiple times when they have called, but today they stated that I am the correct person and it was n't for XXXX XXXX. They could state who the bill was from " XXXX XXXX '' but not what the bill was for. They threatened to send the bill to my credit report if it was not paid by XXXX today.

Company response to consumer: Closed
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with Merchants Credit Corporation (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a message on XX/XX/XXXX indicating that someone ... no name given ..owed a debt. I called the number back there times on XX/XX/2017 and left message- maybe two- asking for a call back. I did not receive a call back. I called the number back today, XX/XX/2017, and got someone who had my name and an old address, but would not tell me what or who I allegedly owed. I asked for written verification of the debt and gave her an address where I could be reached, to which she responded " we ca n't mail things to XXXX XXXX, it 's illegal, '' without further elaboration.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I spoke with a customer service rep who was assisting with my billing. I was canceling my service due to a move and the rep inform me of a XXXX $ balance. On XX/XX/XXXX my account was put into collections and I contacted who my billing was sent to which is " Diversified Consultnts '' and the customer service reps were no help and basically I was told to speak back with XXXX about my billing. Nothing has been removed and I would really like my credit cleared of this unknown amount, which is not and I have not even received a bill with this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Ad Astra reporting false information/unauthorized. Not aware of this debt I have reached out to them several times about this debt. Sends out a letter stating to be proof of debt with NO SIGNATURE! Then I recovered that they are a collection agency who brought this account from someone. Also NO credit bureau contacted me as I do have a fraud alert set on my credit reports. I would like taken if my credit report they CAN NOT validate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an alert XX/XX/XXXX that a collection item was put on my credit report. I pulled my report from the reporting agency that sent the alert, and it was XXXX XXXX. I have not received any letters certified or otherwise, an itemized bill showing that I owe this debt. This company just took it upon themselves to report this information on my credit report without allowing me to dispute it. There was a lie placed on my report stating that the debt was opened on XXXX credit report XX/XX/XXXX. I didn't have service with XXXX in XX/XX/XXXX. I didn't have any collections on my account from this company. I check my credit report all the time. This collection item has brought my score down, and has held me back from taking care of repairs on my home. Also, I've been receiving calls from a number that I am not familiar with. When I call the number back, there is a recording stating that the number is unknown. In the past, the collection agencies use these numbers to call consumers. I've never talk to this company before, so I haven't given out my number.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ally Bank Auto,  is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.

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 05/28/2016 about Debt collection (Mortgage) with LENDER LIVE (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Medical) with ESCALLATE, LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A collection agency ( Escallate , LLC. ) is threatening me with a negative credit report. 
A notice was received today that I owe {$140.00} for medical services ( XXXX and XXXX XXXX ). 

The bill for the services was never properly explained just sent out to me for payment. 

I have XXXX coverage and a supplemental policy through XXXX for the XXXX service. Payments were made by XXXX and XXXX and an unexplained remaining amount billed to me. 

I never received any explanation and have not paid the unexplained amount. 

Please help me resolve this abusive practice. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was constantly forced to pay fees for my loans with Sallie Mae, including when I was on XXXX. My loan amounts doubled in less than five years from interest capitalization from the lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I filed a complaint about unauthorized inquiries on my credit report transunion refused to remove them I contact the XXXX, XXXX XXXX an XXXX they agreed to remove but transunion still want take them off an they have block me from online access the XXXX tell me I need to call in any dispute I have the error message tells me it requires manual handling

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 05-05-2015 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Account opening, closing, or management

Complaint: HSBC Bank USA XXXX XXXX has a lien against a property my client wishes to sell and is under contract. However, they have not responded at all to our attempts to get a pay-off or release. SEE ATTACHED LETTER for details. It has been over 60 days and they still have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I believe the XXXX out of Address Line XXXX : XXXX XXXX XXXX XXXX. 
Address Line XXXX : XXXX XXXX City : XXXX XXXX Zip Code : XXXX Is not compliant with XXXX Consumer protection. 

Under the name of 'NETSPEND ' Netspend Corporation XXXX XXXX XXXX , XXXX XXXX I have been receiving real credit cards under my name without ANY contact by me. They are sending real cards that can be easily intercepted and used without consumers evening knowing they had a credit card in their mailbox. 

SImply put, NETSPEND/XXXX is sending out credit cards out to consumers without ANY contact. The implications are very serious as a consumer would not ever know a credit card is on the way without prior knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was hoping to get my credit report so that I could update my resume with the proper dates of employment., When I had to answer the Verification questions I was asked about a Mortgage and a retail credit card. I have neither. Due to not having thedetails on charges on my credit I DID NOT do I can not access my creditreport to even see where they came from. 
I 'm scared and frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX my ex girlfriend sister XXXX XXXX took the authorized users credit card that was in my my wallet. She went and made a purchase at XXXX for {$1300.00} and then went to XXXX XXXX XXXX and made a purchase of {$250.00} dollars. I called Citi financial and they credited the chareges. On XXXX XXXX XXXX XXXX called Citi and said the charges are vaild. I dont know how she or even XXXX should have been able to access the account as neither had the new credit card number and I placed a new password on the account. I called Citi and explained the situation. The investigator said she would talk to her manager. She did call me back and left a message saying they were n't going to do anything, When I called back the reps I spoke to refused to transfer me to the investigation department. The reps also refused to tell me how someone could access my account without the password. When I added the password Citi assured me no one could access my account or make changes without that password. Citi refused to allow me to hear the calls of the XXXX or Sister saying these charges are valid I have an email from the authorized user telling me that she did not give permission to her sister to use the credit card. The email also states that she is sorry her sister did this. I also have text messages from the authorized user saying the same thing. I have also filed a police report. I gave Citi all of this info and they still refused to handle these charges that were unauthorized as fraud. Citi even told me they couldnt confirm who it was who called in and said those charges were valid. That is why I asked to hear the call and they have refused. Citi put these charges back on my account and has refused to investigate further. I now have {$1500.00} in charges placed back on my account that are fraud and unauthorized by me and the XXXX. Citi has failed to protect my account and follow the card agreement by releasing info to third party and making changes on my account by a third party. THey also violated the user agreement by not handling these XXXX charges totaling {$1500.00} as fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has represented to me multiple times and as recently as XXXX XXXX, XXXX the assigned dedicated single point of contact ( SPOC ) issued the Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) denial letters on appeal. This is in violation of MHA HAMP guidelines and the National Mortgage Settlement ( NMS ) enforced by the Consent Judgement Order of XXXX XXXX, XXXX. Just to be clear, the SPOC may not conduct reviews on escalated cases including, but not limited to, appeals and incorrect denials upon completion of an initial review. 

On XXXX XXXX, XXXX Bank of America represented to me my home and property has been sold on XXXX XXXX, XXXX. This must refer to the Trustee 's Sale at public auction of XXXX XXXX, XXXX. I have informed Bank of America of my continued property occupation and possession prior to the recording of the Notice of Trustee 's Sale ( NTS ) and sale date through a claim of right and by color of title, and virtue of property tax payments for sixty continuous months, concurrently. 

All previously mentioned resolutions are desired and mandatory. 

Causes of Action and applicable state and federal law : 1 ) Intentional infliction of emotional disstress. 

2 ) Negligent infliction of extreme emotional disstress. 

3 ) Fraudulent infliction of gross emotional disstress and stress. 

4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 

5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 

6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 

7 ) Unfair, poor and deceptive practices. 

8 ) Mortgage negligence. 

9 ) Mortgage fraud. 

10 ) Modification negligence. 

11 ) Modification fraud. 

12 ) Foreclosure negligence. 

13 ) Foreclosure fraud. 

14 ) California 's Unfair Competition Law ( UCL ) Claim. 

15 ) Privacy Act. 

16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 

17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation X ) ). 

18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) ). 

19 ) National Mortgage Settlement ( NMS ). 

20 ) California Homeowners Bill of Rights ( CalHBOR ), California Civil Code Section 2920 - 2944.10. 

21 ) California Business and Professions Code. 

22 ) Title 12 United States Code Chapter 28 - Emergency Mortgage Relief. 

23 ) Making Home Affordable ( MHA ) Act. 

24 ) Home Affordable Modification Program ( HAMP ). 

25 ) Rosenthal Act. 

Continued in Desired Resolutions portion of complaint.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my  XXXX  account. My account is reporting unknown payment status for   XXXX   XXXX    . I 've been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   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 01/23/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: I had applied for a loan of {$800.00} with Big Picture Loans on XXXX XXXX of 2017. I was given a astoundingly diffrent pay back amount. The amount was deposited into my account. Soon after I was informed that I would be paying XXXX a month for a year. This is over 200 % the money I had borrowed. It is criminal. I am XXXX and they know this. It is over a 1/3 of my income with a family to take care of. I have already played XXXX. I was misinformed from the beginning. I have called and been hung up on time and time again. I am in such disbelief. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: My wife and I filed a Complaint with Macys Credit Card ( Case number : XXXX ) which was successfully resolved ; however, now it has come to our attention that Macys has taken action against my wife and I and have closed our Credit Card account without warning and without justifiable cause and this has caused us great harm in terms of our availabile credit and credit reporting ; therefore, we want to know why Macy 's has taken this action against us due to our original complaint the reason for closing our account when our original complaint did not mention anything of requesting to close out our account and just to give us back our money owed.

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 03/23/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a problem with Chase.I submitted my complaint before that our mortgage monthly payment is about {$2700.00} and changed. Our interest has been 8.25 since with refinance by chase. We were told that after refinance mortgage our interest will be reduce after two years but that never happened. We almost lost our house about 3 years ago, but we did get help from homes saver. Despite that our home mortgage payment still high requested for payment reduction chase refused to help. Now we are 4 months behind we called chase submitted paper work we are still waiting no answer from Chase. I am still on unemployment list. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXXl requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX 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 non-monetary relief
Consumer complaint received 04/21/2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Can't contact lender

Complaint: I am getting threatening calls from someone who claims to be associated to Ace Cash Express. They left me a voicemail from a blocked caller ID stating that they would be coming out to my home or place of business between XXXX and XXXX the following day and that they needed to leave me the voicemail for their safety. At that time, they did n't tell me who they were, they only left a phone number. The recording requested that my Supervisor be present. They left a phone number to contact XXXX. When I contact the phone number they implied that I would be facing charges for theft of services and check fraud. I was scared to death. However, I knew this is not legal practice in the state of Texas. I was also reading online that there is a scammer out there claiming to be associated to Ace Cash Express that is attempting to trick people into believing they are the debt collector and people give them money to prevent the harassment, only to find out the debt with the original debtor was never paid. I am concerned about this and I am pretty sure this is n't the end of their contact. I am concerned that the threats may become more aggressive or that they may actually show up on my doorstep as they have threatened and that would be terrifying. I just wanted to make others aware of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: All of the hard credit inquiries were verified in writing to Equifax as " not factual '' and they submitted a letter to have them removed ( to Equifax ) or did not respond to the inquiry from Equifax ( which will also result in removal ). Even after this Equifax will not remove them. 
Equifax 's system is " automated '' meaning no one is actually making inquiries to the validity of the records in disputed item! 
This is just criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with Premier Portfolio Group (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, Premier Portfolio Group, has been calling my cell phone and now my work phone for months! They leave a recording saying that I passed a bad check with my name and SSN on it. That absolutely did not happen, I have nearly perfect credit and pay all my bills through my bank so this makes no sense. I have already reported them to the FTC and to my work, both advised me to ignore it but it 's driving me insane! They are obviously scammers and need to be shut down. The internet is full of similar reports about this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation