milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint: I checked my credit and found information thats not mines please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Acct #  XXXX  Due {$26.00}, #   XXXX   Due {$570.00} This is regarding account #  XXXX  for {$26.00}, #   XXXX   for {$570.00}, which you claim I am delinquent {$26.00}, and {$570.00} which is ABSOLUTELY INCORRECT. These accounts are not mine. This is a formal notice that your claim is disputed.
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I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
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Be aware that I am making a final goodwill attempt to have you clear up this matter

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is with Ocwen servicing company for seven years I have been trying to XXXX a re modification of my loan they have been deNY ing me a refinance using all kinds tactics I have been through.all the avenues that pertain to. This problem I even went to lawyers whom seemed to work for them I need some immediate assistance now as they have forclosed on my house without any warning the has been in my family for over sixty years .my husband left me after XXXX years of marriage and I am XXXX years I have no transportation to leave and no place to go .my XXXX son who lives with me is XXXX ( XXXX ) and attends a XXXX we do n't have no place to go and both live on social security.I 'm am supposed to be evicted today please help my .I can be reached @ XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WA).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX XXXX almost three years ago for {$17000.00} plus taxes. I put {$4000.00} down and paid on time. I missed one payment but have been paying more to try to make up for it. Our payments are {$390.00} a month and have so far paid at least {$12000.00} in payments. We keep getting hitting with outrageous interest and charges. For the past year we have been paying, they keep saying we owe more than {$12000.00}. There is something that they are doing that is n't legal. Please look into this because I feel we have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This charge is for " Roaming Charges '' while on a cruise. I did not make or receive any calls, did not text or receive any texts ( except from XXXX ), and/or did not connect to any website while out of the country ; therefore I received no benefit. I initially disputed this charge w/XXXX, by my phone call, in XX/XX/XXXX and asked for details of the charges, which I never received. I disputed the charges again XXXX XXXX ( collection agency ), who sent a demand letter, in a letter dated XX/XX/XXXX and again requested a statement detailing any numbers that were called or received, and the web sites that were visited during the period while I was out of the country, and once again received nothing. My account was then passed on to the XXXX XXXX XXXX ( another collection agency ) and I received a demand letter from them. I wrote to XXXX XXXX XXXX on XX/XX/XXXX and informed them that the charge was not valid and that I had already disputed the charge with XXXX and another agency. I explained that I received no benefit for the charges, and despite XXXX requests, I had not received anything validating the charges. I informed them that I would not respond to any more inquiries. On XXXX XXXX they signed for my certified letter and my account was reported to XXXX as a collection on XXXX XXXX. My XXXX Credit Score has just dropped from XXXX to XXXX due to this. I 've not checked, but I 'm sure that my XXXX and XXXX XXXX scores have dropped as well. I have a collection on my credit report for a medical bill which I disputed. The scenario with that bill was exactly the same. When I would dispute it with a collection agency they would drop it and then it would be sent to another agency. I finally gave up sending letters and explaining the situation over and over again. This practice has got to be in violation of the FCRA and I do not intend to have another collection on my record that is not valid. Enhanced Recovery should be shut down based on accounts that I 've read when I researched the phone number that they called from. 
Since then I received another collection letter from Enhanced Recovery Company , LLC. I have verified that they called me on XXXX and today ( XXXX ), left it ring XXXX, hung up before I could answer and left no message. The number that they called from is ( XXXX ) XXXX. I have no interest in contacting them as I have already made it clear to XXXX other collection agencies that I do not owe XXXX {$620.00} and that I requested a detailed statement which I have not received. They do not have a detailed statement as explained above. I sent a letter to XXXX requesting that they remove the collection. They did not remove it but they did indicate on the report that the account is in dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX I set up a payment plan for my private loans through Navient / Department of Education. They have not processed any of them correctly from my bank account. OnXX/XX/XXXX they contacted my mother ( also my power of attorney ) to get a payment of {$18.00} with a ONE TIME AUTHORIZATION for that account.
For XX/XX/XXXX andXX/XX/XXXX Navient messed up the payments from my bank account resulting in me having to use my debit card for those payments. On XX/XX/XXXX they attempted to gain access to my previous account that they only had permission to use that one time to get a payment of {$150.00} Currently they are lying to me and harassing me because of their mistake and breaching their own one time authorization agreement. My mother is not also my POA she also runs one of the branches that my previous bank has in Pennsylvania. They are now also calling my mother a liar saying that I gave them permission to use a bank account that I had instructed closed months ago and had no information for.

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. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover through the newspaper. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. This service should be provided for life, not one year which Equifax is currently offering. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not a dispute for debt, this is a request to remove a name that does not belong to 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 non-monetary relief
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is a continued complaint from CFPB case # XXXX. 
I was offered a loan Modification by my loan servicing company in XX/XX/XXXX. I happily agreed to the modification terms and have been in good standing ever since. I recently decided to list my home for sale and I found that the second mortgage lien had never been removed from my property. I contact my loan servicing company ( Ocwen Mortgage Loan Servicing ) and asked why it had not be taken care of during the modification process. They told me that they had nothing to do with a second mortgage and that is why it was not a part of the modification. I told them that it is a part of the modification process to address second mortgages ( the first and second belong to the same company - XXXX and were serviced by the same servicing company Litton Loan Servicing ). They did some digging into the file and they found the charged off loan. I was then told that it belonged to a collection agency by the name of XXXX. I called XXXX and they stated that it was a unenforceable debt and that it is now in the name of Ocwen. They said that it was given to them when they took over servicing for Litton Loan Servicing. I then sent Ocwen a QWR for information on both the XXXX and XXXX mortgage. Now Ocwen is telling me that XXXX as trustee for XXXX is the owner of this lien and they provided ( through a QWR ) the contact information of XXXX, XXXX, IL XXXX with a phone number of XXXX. They state that they are servicing the discharge loan for XXXX. I have attempted to reach XXXX with this information and the contact information is incorrect. I bank with XXXX Bank and have asked for their assistance with this matter but have not received any information at this time. It is my belief that XXXX served as the trustee for XXXX while they were in Bankruptcy ( XXXX BK case # XXXX ). This case was finalized by the Bankruptcy XXXX XXXX in XX/XX/XXXX. Now Ocwen 's Attorney are telling my Attorney that they want to collect the full balance of the loan. I feel that they have deceived me with the promise of a modified loan and now that the market has changed and the market value of my home has increased they are trying to collect moneys for a XXXX debt that I was told by the previous servicer was being removed. I need your assistance with this matter. Ocwen is once again creating hardship for a home owner with their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has not responded to requests to correct or replace monies from cashiers checks issued by banks they were assignees heridators or banks they have bought out : XXXX XXXX and XXXX XXXX XXXX I have 6 certificates of deposit which automaticAlly renew if not closed I have the passbooks several which. We 're held by my mother on bhalf of myself and it children in addition they have also refused to pay the certified checks issued by them or the banks they inheridited

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Medical debt) with Ray Klein, Inc. (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed that there is a closed collection that I never knew about, or closed for that matter. I was treated by these medical professionals years ago, when I was severely XXXX. At that point in time, I was completely XXXX. I had a similar problem some time ago with creditors, and this one must be addressed as well. I was never made aware of this debt until viewing my credit report for the very first time. I should have been made aware of this debt. If that was the case, it would have been paid already and would n't appear as a stain on my credit report. The fact that it remains on my report when I did n't even pay it to begin with is baffling. If it was n't my debt, then why is it there?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: calling my phone number about a debt made by the previous owner of the phone number. not my debt. collection agency calling my phone because their records are wrong but they purchased the fraudulent info connected with my phone number from somewhere

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son XXXX XXXX XXXX XX/XX/XXXX was hospitalized a few months ago and my ex husband XXXX XXXX XXXX signed as the guarantor with his ss # for XXXX. Optimum Outcomes Inc has called me and harassed me for the debt when I explained they have my name and his address. In no way did I sign any papers taking responsibility. XXXX took him to the hospital and signed. I only was on the chart as emergency contact from his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: My Bank, PNC in XXXX PA, paid my full credit card balance {$4800.00} instead of {$120.00} minimum due payment I checked on online banking for them to pay. This made an overpayment in my checking account This caused other monthly bill payments to bounce. I had to call the PNC bank seven times and spoke to two managers who guaranteed me they would fix the problem but never did. Those managers names were XXXX XXXX of the Retail Escalation Department and XXXX XXXX whom I do not know what department he was from. 
A lady name XXXX XXXX who was not a manager but from the Retail Escalation Department helped me stop the other checks from bouncing and took of the bouncing fees ( hopefully ) yesterday XXXX XXXX 2016, She is not a manager. XXXX XXXX took time to help me when those other managers did not give a clue of what to do. I was told by XXXX the reversal of this horrible mistake will take three days to be cleared. This means the credit card payment can not be paid until next Wednesday XXXX XXXX. I asked XXXX for another way to pay my credit bill without being charged a fee and she did give me an alternative. I am hoping this complaint will stop PNC from continuing to make mistakes to my account. I am looking for another bank to do business with. Thank you. PS. I spoke to a man named XXXX ( he said he was not allow to give a last name or ID number ) in your complaint Department, he told me it would be better to write a complaint even though your website says I can do both.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an auto accident XXXX, XXXX, and XXXX XXXX over the next 2 and a half years. After my doctors told me that I would never be able to work in my vocation again I canceled all my accounts XXXX XXXX. I filed with each of my loans and credit cards the payment insurance/assurance purchased through the respective creditor. All of these account are beyond the 7 years provided by FCRA. I was diagnosed with XXXX in XXXX XXXX. I have n't worked since XXXX and unfortunately living in Louisiana during XXXX XXXX XXXX. Than XXXX the XXXX XXXX XXXX XXXX XXXX XXXX. Each of these catastrophic event devastated our economy, add to that each of my medical issues. This credit report needs to be straighten out.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: Normally I make my rent payment monthly thru on line bill pay. 
In this way Chase takes the the rent amount {$1200.00} out of my account, secondly Chase sends the check to the payee by regular mail. I as a client only see the amount of the monies taken out of my account. The rest of the service is performed by Chase. On XX/XX/2016 the payee, called me to advise me that they had not received the rent check, but the money had been taken out of my account on XX/XX/2016. 
In checking the details of the payment, on the check remitted by Chase where the check picture is shown paid and signed I realize that the name of the payee on the check has been altered. 
Customer service from Chase recommends to file a complaint with the police department. 
Customer service from Chase tells me that the check was cashed at XXXX XXXX and that they are working on a rapid solution to the problem, but they contradict themselves in telling me that they do n't know which bank cashed the check. 
The police department recommends that I find out the bank where the check was cashed. 
As a Chase client I feel left out in the cold and waiting for a long process that is not clear and could last up to 120 days with a possible answer of not crediting me back the {$1200.00}. 
This type of service online bill pay is not safe for the client and Chase does not assume the responsibility of the lost funds until the monies are transferred by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Balance transfer

Complaint: I had completed a balance transfer with sears credit card last year which expires XXXX XXXX, 2016. I then was offered a couple deferred payment purchase offers in the last couple of months. I am trying to pay off the balance of the expiring balance transfer with no luck. Since the last statement I have made approximately about {$1000.00} of purchases which still has n't closed yet, and have made excess payments in order to pay down balance transfer for XXXX XXXX. Now my overrall balance is {$100.00} over the total promotional balance offer total, so none of the excess payment money is being allocated to the promotional balances. I contacted sears and they told me it goes to higher interest rates first, but if that 's the case why is n't those balances getting lower instead of saying the same. I also thought that in the last two months credit card companies were required to apply the excess payments to the expiring balance transfer first. The other question is why the regular purchases being taken off when the statement has n't even closed yet, to allow the 25 days or so of free interest. I believe I 'm getting XXXX around here.

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