milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My name is XXXX XXXX ( SSN *********** ). I am in the process of filing for bankruptcy and have fallen a little behind on my student loan from XXXX XXXX ( now Navient ). Navient has called a minimum of 4 times per day, does not leave messages, hangs up when I answer, and has started calling family members as well ( several times a day- 4 times yesterday, XXXX XXXX, and three times so far today, XXXX XXXX ). I believe this level of activity constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: All of a sudden account appeared on my credit report on TransUnion from XXXX 2008. This account was part of the identity theft case that I was a victim of. Now they reported that account back on my credit report as closed, but shows that it has 3 late payments. I made a dispute with credit bureau but they do n't want to remove this off my credit. 

The account is XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I scheduled a payment with my XXXX credit card to be withdrawn on XX/XX/2018 in the amount of XXXX.. 
XXXX went along and withdrew the money on the XX/XX/XXXX with no problems yet my bank did not remove it from my account till the XX/XX/XXXX. Now because it was days later I did not take into account that that was still an outstanding debt that needed to be taken care of and went overdrawn. 
It just seems like a malicious practice on fully intending in making the account go overdrawn

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Stuart-Lippman and Associates, Inc (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. 



Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. 



After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. 



In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no 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. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. 



This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collector is attempting to collect on a debt that is time barred and past the statute of limitations. I have n't been known by that last name in over 7 years. The account is no longer reported on my credit profile and is considered time barred. No validation and or authorization to contact me has been provided. TIME-BARRED DEBTSA new practice has arisen in the debt collection industry. Old, charged off debt is packaged and sold to other financial entities for as little as a penny or less for a dollar of old debt. These debts are old and often barred by the statute of limitations which limits the period of time during which a lawsuit may be filed to collect the debt. 
Thus, a time-barred debt is XXXX which can no longer be collected by legal means due to the passage of time, e.g. - - lawsuits, wage garnishment, liens on real estate, etc. These buyers of old debts are " debt collectors '' covered by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am writing this regarding fraudulent activity in my checking 's account in the early morning of XX/XX/18 in total amount of {$3900.00}. Earlier that evening, I used my card at a restaurant in the amount of {$11.00}. During my time there, I misplaced/lost my debit card without my knowledge. I woke up in the middle of the night to a text message from Chase regarding a valid withdrawal of {$800.00}. I saw this text message approximately 35 minutes from when it was sent. I immediately replied that it was not a valid transaction. I then called Chase service right away to request a cancel/issue of a new card and to report the fraudulent activity that had taken place. While doing so, I checked my checking 's account to see a total of 5 transactions that totaled {$3900.00}. Two of them were at a Chase ATM for {$800.00} and {$200.00}. The other 3 transactions were at a Currency Exchange, which is all the way on the other side of XXXX on the XXXX XXXX and I live all the way on the XXXX XXXX, in the amounts of {$720.00}, {$970.00}, {$1200.00}. I am shocked that Chase let MULTIPLE withdrawals of these amounts go through without blocking any of them. I have never withdrawn money like that before, so I believe that it definitely should have raised a red flag. Since my original call, I called Chase three times that week to check up on the funds since it's a great deal of money. All three representatives that I talked to assured me that my claims were under review, and I should be receiving my funds shortly. Chase then credited my checking account and then reversed the transaction out right away within a day or two. I was shocked. I called to see what was going on and the fraud representative was very unhelpful, rude, and told me my claim had been denied. I am in disbelief as any logical human could see that I have never had activity on my card like this before. She stated that it was declined since it was in the same geographical location from my address. I then proceeded to ask what is the distance maximum that this rule pertains to and she stated 2.5 miles. That's very interesting to me as the first 2 Chase ATM withdrawals happened a few miles down from the last place I used the card for {$11.00} and the last 3 transactions at the Currency Exchange happened approximately 10.4 miles away from my address which I attached to this letter, as I live North and these transactions were made all the way on the XXXX XXXX of XXXX. I am asking for your help in the recovery of these funds as Chase Bank is being very unfair, illogical, and negligent in their investigation of the Fraud claims as I have NEVER had activity like this before on my card. Help will be greatly appreciated. Thank you very much for your time and work.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Auto) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I do n't wan na to get bankruptcy never late payment i was payment on time but I went to my hometown last three months i have at that time i have a lot of payment. My wife she 's XXXX she needs XXXX more than two months. That 's XXXX come back everything was missed up. I have XXXX bank account but I have negative balance. I am trying to find new job to reduce my negative but I did n't get any job. My account is closed now. I am trying to report my situation but no body help me. Imagine my future baby wife .they can not give me option.

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 10/21/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: I was charged an interest rate that was higher than the limits set forth by the Attorney General office for auto loans, the purchase amount of the vehicle was not disclosed, the vehicle was repossessed and sold leaving a deficiency balance of {$6400.00}. My original bill of sale does not include the sale price of the vehicle, therefore, it is not know to me whether the deficiency balance is accurate or inaccurate. The lender has refused to provide the information and has reported to all XXXX credit bureaus a balance of {$10000.00} as written/charged off and is reporting active collection activity of {$8300.00} after the sale of the vehicle. The documentation from the lender states that the vehicle was sold for {$6700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax is by far the most uncooperative company I 've ever had the ( dis ) pleasure of interacting with. Their website has an option to dispute items on your credit report but it never functions. I have, along with my mother and husband, attempted to use their website daily for weeks. It will ask verification questions that do not pertain to the person who is submitting the request and then rejects. We also attempted using the free annual method but same questions are asked and it rejects the request. This issue is misleading and can make consumers believe they are a victim of fraud when really Equifax is just making it impossible to access information to which we are legally entitled. Calling them has proved useless as well since they simply say sign up for the {$19.00} a month service and you can bypass the trouble. I should n't have to do that and it seems they are causing these road blocks to make a profit. XXXX and XXXX were perfectly functional and disputes were submitted without headache ... yet I still ca n't seem to get into Equifax. I ca n't even get the 90 day fraud request submitted as it gives the same error. They told me the only option is to print form upon form and mail it to them in XXXX along with every identifiable piece of my existence ( Birth Certificate, DL copy, SS Card, Rental Agreement, etc. ) which would be detrimental if intercepted!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Once again, FOR THE NINTH CONSECUTIVE MONTH, the incompetents at Ocwen are screwing up my account. On XX/XX/XXXX, I sent my XXXX XXXX payment in the amount of {$1000.00}, Ocwen Tracking number XXXX. On the same date, I sent an additional principal payment of {$1100.00}, Ocwen tracking number XXXX. The MORONS at Ocwen credited both amounts to additional principal. As of today, they have noted on their web page for my account that the XXXX XXXX payment is past due and have added a late charge. Since XX/XX/XXXX they have failed to properly account for the funds I submit EACH AND EVERY MONTH, until I contact them and tell them how to do their job. This is gross negligence and incompetence. THERE IS NO OTHER RATIONAL, LEGITIMATE EXCUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: During sometime around XX/XX/XXXX or XXXX XXXX 2016,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX 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 non-monetary relief
Consumer complaint received 04-06-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I have a Care Credit account at Synchrony Bank. I went to the website to have {$100.00} withdrawn from my checking account each month. Unbeknownst to me, the option to " pay In Full '' was also checked. ON XX/XX/XXXX they withdrew {$3000.00} from my checking account. I did n't check my account for a week as I had a running total in my mind as to what I had in the bank. Again unbeknownst to me, My bank had been withdrawing from my savings to pay my bills. I called Synchrony for a refund and they said 3 to 5 days, I called a second time and was told 7-10 days, the third call I was told it would be 15 days, the fourth call, which was yesterday XX/XX/XXXX, I was told two to three weeks and TODAY I was told the check had been mailed XX/XX/XXXX. I still do not have my check, I have overdraft fees and I am hungry. I am beyond furious. I asked for a transcript of my calls and was told I could n't have it. I did ask for them to wire the money back to me and I was told that they could n't do it. My brother who is a XXXX in Illinois said that they can but obviously did n't want to. He is the one that suggested I contact this agency.. I have complained to the BBB and would like to know if there is anyone else I could contact. PLEASE help me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and Medical Data Systems INC. perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.

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 10-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Nationstar Mortgage account, I just realized that they increased my monthly payment, because their guidelines allow them to do that, based in amount that they want to have as a " cushion ''. I never received any communication about it. I have requested that they need to remove the referenced " cushion amount '' which was never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with EXETER FINANCE CORP. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Student loan (Federal student loan servicing) with College Assist (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: College Assist contracts with the XXXX XXXX XXXX , XXXX ( XXXX ), for the collection of outstanding student loans. Apparently, College Assist does not screen its contractors, nor does it maintain any quality control over its contractor 's work. 

Recently I received a letter from XXXX stating that it was attempting to collect {$58.00} on an outstanding student loan that it claims I have with College Assist. The correspondence indicated that I could dispute the alleged debt, which I did. 

On XXXX XXXX, 2016, XXXX responded to the dispute with a letter stating that it was attaching " additional documents related to your account. '' When I reviewed the documents, it became apparent that XXXX mixed up my documents with that of another borrower, and that XXXX gave me documents that contained that borrower 's personal identifying information, including social security number, driver 's license number, date of birth, and financial history. Due to the sensitive nature of the documents received, I will not attach them to this complaint, but will provide them only in response to follow-up communication with this Bureau. 

Because my documents were not included in the correspondence, and because it appears that XXXX intentionally/recklessly sent personal identifying information to the wrong person, I can only assume that XXXX also provided my documents, containing my personal identifying information, to another person not authorized to receive it. Such behavior demonstrates that lack of any quality control on the part of XXXX and upon College Assists in the supervision of its contactors.

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