milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Hello, This complaint serves to identify several violations that I believe occurred between my self and XXXX XXXX ( original creditor ) and they 're assignee XXXX XXXX  XXXX XXXX On the XX/XX/XXXX and XX/XX/XXXX, call details below, my Father, XXXX XXXX XXXX received a call from a representative of XXXX XXXX XXXX. On both occasions, my father made it clear to the representative he was not the correct person, however the representative continued to press him on details, discussing my account unnecessarily with a family member. My name is XXXX XXXX XXXX, and on XX/XX/XXXX, approx XXXX, overheard my Father once again explaining to a representative that he was not the correct person and to please remove his number and info. It was at this point I took over the call and identified myself as the owner of the account. I then provided the representative my cell phone number and asked her please remove my Farther 's information immediately, and I 'm not sure how they obtained his number in the first place, I do n't recall using him as a reference or providing any info about him to XXXX XXXX to start service, the rep told me it could only be removed by waiting 24-36 hours for their system to update. Meaning, it was possible they could contact my Father again. At approximately XXXX XXXX XX/XX/XXXX, I contacted XXXX XXXX XXXX again, to provide additional contact info ask them why they where contacted my Father and how they got his number. I also asked them once again, after getting a supervisor on the line to delete my Father 's number immediately, which she did, contrary to what the last rep had said in a previous call. I tried to contact XXXX  XXXX XXXX again around noon the same day, only to find out that my account no longer existed on their systems, that never happened before. I made several attempts to reach them, with no success. I also contacted XXXX  XXXX on XX/XX/XXXX, same day, and explained the encounter I had with XXXX XXXX  XXXX, they were more concerned with obtaining payment for the debt they say I owe, than they were about the negligent collection practices their assignee 's were using. The representative also advised me that information regarding the debt they say I owe has already listed with the credit bureaus, they did not try to contact me prior to this happening to allow me an opportunity to dispute this debt. The negative information currently showing on my credit report, I 'm sure will have negative impact on me at some point in the future. Thank you for your time and attention to this matter.. Call Details : My Father received calls : 1. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm requesting for Specialized Loan Servicing to respond immediately to XXXX XXXX XXXX and provide proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. I want a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit.

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 04-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and XXXX XXXX people I do not know went to XXXX XXXX XXXX on XXXX XXXX to buy a vehicle POC : XXXX XXXX XXXX ). The dealer ship enter the wrong SS # which just happen to be mine. They ran my credit 4 times lowering my score I have contacted Equifax 3 times about this trying to get all XXXX inquires off my record and this is all I get back. ( We have reviewed the inquiry information for XXXX Banks XXXX Florida. The results are : Inquiries are a factual record of file access. We have reviewed the inquiry information for XXXX XXXX .We have reviewed the inquiry information for XXXX XXXX The results are : .We have reviewed the inquiry information for XXXX XXXX Bank Inquiries are a factual record of file access. This has nothing to do with me how do I get these XXXX inquires off my record?

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I had XXXX fradulent charges placed on my credit card account. I reported them two days after they were placed on my account. I have been lied to 4 times about how long it will take to have them removed. I called in once, and was told 2-3 days. 3 days later i called in and was told it takes 5-7 days. I called in 7 days later and was told it takes 7-10 days. 10 days later, I called in and was told there is no expected time to reconcile the charges and remove them from my account. Every other time I have reported fradulent charges to my citibank credit card they applied a conditional credit immediately. This time they are basically refusing to remove them, and they continue to count against my credit line, despite the 100 % no-liability on fraud charges a that is advertised by Citibank for their credit cards.

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 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have received my results from experian in which they claim my personal wrong information has been deletes but in reality all wrong personal information is showing and affecting my credibility with financial companies.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

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 it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. 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 10/15/2017 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have called three separate times and spoke with a representative to gain access to my monthly statements and other official communication. All three representatives promised to mail statements to my email, I have received none. Also, I wanted a formal ticket into my lack of access to records to be opened, with no resolution noted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : PRA I would like to dispute the following item on my credit reports : XXXX and XXXX XXXX Portfolio Recovery XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to XXXX of {$600.00} as payment as XXXX requested. There was not notice by either party at that time the account was sold or transferred. PRA placed additional charges on the XXXX Balance placing demands after payment was made and forward to XXXX. I contacted PRA and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a PRA manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by PRA. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the XXXX XXXX. Also the Credit Union states the Cashier Check shows payment / cashing by PRA 1. XXXX : Charge Off : # XXXX ( Reporting ) Not PAID 2. PRA : Charge Off / Dispute payment was made prior to reporting being made to the 3 Bureaus : XXXXXXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with Account Discovery Systems, LLC (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Collection agent began conversation with ultimatum : " Unless you agree to payment terms, we will file a lawsuit and get a judgement ''. He then said, " Do you think you have a get out of jail free card or what ''? Very rude, and obnoxious on the phone. When I asked him not to call again, he immediately called back. He then called a few 3rd party friends and relatives of mine as a further ploy to annoy and intimidate me. He had my contact information, and had no right to call any 3rd party to question them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > I C SYSTEM INC  Not Proven Compliant Account -- > 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 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Statebridge Company (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Statebridge Company has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Two medic al debts from  XXXX   XXXX   XXXX   XXXX   were  discharged  in a chapter  XXXX  bankruptcy case on  XXXX . Case number  XXXX .    Medical Data Systems i s a debt collection agency who starting reporting the account as currently open with a past due balance. I 've disputed the account with every credit bureau but they keep saying the bankruptcy was dismissed. They are referring to an old bankruptcy from  XXXX . There was a second bankruptcy case in  XXXX  listed above.

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 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is a general comment. When I received my mortgage I was quoted a rate and an APR which took into account the fees I was going to pay. This allowed me to compare rates in an apples to apples scenario. 

However, I do n't understand why the same does not apply to credit cards. They promise these XXXX XXXX XXXX XXXX  APR balance transfers but then charge a XXXX XXXX fee or higher. Should n't these fees reflect in the XXXX. It seems like a false advertisement. I am essentially paying them an interest rate upfront they just call it a fee. Then when the promotional rate expires you are paying interest on that fee. 

Seems like an unfair and deceptive practice to me. At least require them to state an accurate APR that includes the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Trouble during payment process

Complaint: I previous had a alleged loan with XXXX XXXX XXXX and later discover they were in non compliance with the state Md. However they later transfer the alleged loan to Rushmore Loan Management Services, who later I discover that is not register or license as a third party debt collector or servicer to collect monthly payments {$2000.00} and to secure the alleged debt in the amount {$64000.00}. I receive a loan modification to filled out, I have questions and concerns of who is the secure party, who approve the loan modification and where is my money applied to far as the mortgage payments. I have sent debt validation notices to Rushmore Loan Management disputing the alleged debt. 
As going forward, I will be paying my taxes and insurance. Based on my research, the entire company needs to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little XXXX digit code to verify and received a XXXX digit code back. This collection belongs to a business not me and that was verified by the original creditor. They also have removed these from my husbands report but not mine

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 03/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: we have a mortgage with '' green tree mortgage co '' we pay by bank draft and never misseda payment on our property located a XXXX XXXX XXXX, XXXX Ks XXXX we have never requested any legal service from them. They added over {$3000.00} on to our mortgagefor legal fees. They called it a " Corporate Advance balance '' the sum of {$3000.00}. Our rental property was seized on the XXXX of XXXX 2014 by the XXXX XXXX 's Department. We hired our own Attorney and fought the DA and XXXX and we went to court and the presiding Judge was Chief XXXX XXXX XXXX XXXX XXXX. We won the case and was completely exonerated of the charges. The claimantwas " the XXXX of Kansas '' and the defendant was our rental property. Green treemortgage is located in XXXX XXXX SD, XXXX XXXX XXXX, XXXX. Our Account # XXXX. Phone # XXXX .We believe this financial action against us is completely unjustified as wenever requested any legal services from this mortgage co and we were never notified or advised why we are being charged for these attorney fee 's. I am XXXX years old and aXXXX XXXX veteran XXXX and served in the military22 years. My wife is XXXX years old and we never had any problems with law enforcement. The property was seized for alleged criminal activity. We would appreciated it very muchif you could help us with this problem, as we have already spent most of our savingsfor attorney fee 's not to mention the stress that they have caused us. What is toprevent the mortgage Co from charging as any more fee 's. 
XXXX & XXXX XXXX XXXX XXXX, Ks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with ERC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ERC KEEPS CALLING MY FAMILY MEMBERS AND MY CELL NUMBER, I TOLD THEM TO STOP AND WON'T. CALLED FROM ( XXXX ) XXXX, SEE FCC COMPLIANT ATTACHED. AND INDIANA 'S ATTORNEY GENERALS DON'T CALL LIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I received a bankruptcy discharge of the promissory note on my home. The lien remained. At some point, the lien was sold to XXXX, now known as Shellpoint. Shellpoint began sending me collection letters even though my loan had been discharged ( numerous FDCPA violations ). I contacted Shellpoint and asked them if they wanted to negotiate a new promissory note. They said yes and thus began my new nightmare. They sent me through their loss mitigation department. That department would ask me for documents. I sent all the requested documents. Then they would tell me I was missing documents. So I would resend the documents I already sent. Then they would tell me my earlier documents had expired because I took too long to send them documents I had already sent to them. This cycle has happened multiple times. When I submit the documents, I send by email, fax, and mail. I have records all every document sent, the manner sent, and the date sent. A few times they have threatened foreclosure because I " failed '' to send in required documents. I then resend, along with proof that I have previously sent them. Recently I received the same foreclosure threat, and called them. They told me " you are missing some documents ''. So I sent in my documents. Again. Yesterday, I received a notice that my house is up for foreclosure auction TODAY, due to -- failure to send in required documents. I called them to inquire and let them know what was happening. They told me there was nothing they can do because I failed to send in documents. I have records of everything submitted but they will not listen. They continually tell me I owe them money. I do not because of the discharge but I would like to negotiate a new promissory note so I can start paying them and stay in my home. They are not timely processing my documents, continue losing my documents, and continue to demand payment for amounts I do not owe. I 'm trying to do the right thing but their systems are faulty or they are just lying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management has continued to call my office phone despite my repeated attempts to inform them that I am not who they are looking for and multiple requests to be removed from their system.

Company response to consumer: Closed with explanation