milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (AR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Dynamic Recovery Solutions has called me from a XXXX, AR number XXXX approximately 4 times today on XX/XX/2017 last phone call being XXXX XXXX. I 've owned this number XXXX for roughly 3 years and have received MANY phone calls over the course of those years from them asking for a man in which I have repeatedly told them to take my number off, this number is not associated with them. They have continued to harass me calling at all hours after being told to remove my number I am not associated with him. Today I received multiple phone calls with no one saying anything on the other line. I called back and an XXXX XXXX man answered ( call should be recorded ). I told him they have called me 4 times today ( that call being the 4th ) and I have told them over the last several years to remove my number and stop calling me that I do no know or have any associations with the man they are looking for. I told him that they are harassing me and the man became irate and said " do not use the word harass, I 've never called you this is the first time I 've called you. '' I proceeded to tell him multiple agents have called me and I 've repeatedly told them not to call and remove my number. I have a witness to the conversation and could hear him raising his voice and talking so much over me I had to ask him to stop talking over me. I finally had to hang up on him he was being loud and disrespectful. I 've been harassed by this company so many times and yet they will not understand the fact that this man is no longer associated with my number and will not stop calling me at all hours of the day when I have work and a family to be with.
PLEASE NOTE : I do not have an account or any affiliation with this company. They are seeking payment from the individual they are trying to which which also has no affiliation with me or my family. We do not know this person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IN).
Issue: Trouble during payment process

Complaint: In my conversation with XXXX on XXXX XXXX, 2017 and requested a payoff amount valid for up to thirty ( 30 ) days and I still have not received it, therefore, I am formally requesting a payoff quote be fax to my attention at ( XXXX ) XXXX. In addition, please send to me via the same methodology via facsimile to ( XXXX ) XXXX the complete payment history of all payments made on this loan from its inception ( beginning ) until the date you signed for this Certified Letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: i have XXXX issues with Nationstar mortgage, first is I requested payoff amounts on multiple occasions beg. XX/XX/XXXX, never received one, i was told it was emailed to me but they had the wrong e mail address and would send it again, which i never got, at that point it was already XX/XX/XXXX, so i am anticipating paying this off and believing amount would be retroactive to request date, my interest alone was XXXX a month, by XX/XX/XXXX i still have n't gotten the amount and I did n't receive a XX/XX/XXXX statement so I i send them the stated statement balance of XXXX, I start receiving calls from the loss mitigation dept threatening me with foreclosure! for non payment!!, they deny they have my bank check, and at one point they hung up on me, that was on XX/XX/XXXX a follow up call with someone and they said the check was received XX/XX/XXXX and was never deposited or applied to my acct, I spoke with loss mitigation again asking how they could threaten me with foreclosure when they have a bank check for {$150000.00}, they threatened and said i could either pay or they would send the check back and start foreclosure, I knew there would be additional fees for paying off i did n't feel i should have to pay the additional 3 months interest, close to XXXX for their incompetence to give me a payoff amt. To finally get it over with I pay whatever they say is due, which was also XXXX different amounts when i spoke with XXXX different people, and decide to move on. # 2 problem arises the following XX/XX/XXXX the when i lease a new vehicle and I 'm told the only blemish on my credit is Nationstar mortgage for late payments!!!, late payments for the three months i was TRYING to pay my mortgage off # 3 problem is as of today I have still not received a lien release to obtain clear title for my home this whole situation with them has been a nightmare they are one of the most unprofessional, incompetent and disorganized financial companies I have ever dealt with and I had a good payment history with them and when the mortgage was held by XXXX XXXX XXXX, I do not feel it was justified I pay the additional 3 months interest for their incompetence and inability to give me a payoff amt. promptly when requested, I did n't even receive a XX/XX/XXXX statement! I 've never heard of such a thing, so at this point i do not know how to get these problems solved I had been in contact with the NYS Banking Dept but that was a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. 
Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. 
I believe this is an unfair treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: criminal stole debit card and pin #. took out around 4 to 5k from account. 
XXXX XXXX XXXX says we took all the money our selves, and there was no criminal taking money out of our account. 
The bank never contacted us of unusual charges on debit card. 

They are protecting their own money, and XXXX us. 

we have all proof of the debit card theft.

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 11-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was medical, but I have full health insurance to this day and can prove, but refuse to take off my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took a loan out with Wells Fargo in 2010 for my daughter. I applied for it with her as the primary and me as co-signer. The amount of the loan was {$7700.00}. The interest rate is 9.49 %. I have paid {$5100.00} into the loan and the balance due is {$7900.00}, a balance that is more than the original loan. This seems impossible, the other student loans I have for both her and myself have paid down. Can this be possible?

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My father has fraudulently filed for bankruptcy under my social security number in a different state. Experian claims that they " verified '' that the bankruptcy is mine after multiple disputes and sending  proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies. Experian is in multiple violations of the FCRA and FDCPA.

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 07-01-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In a recent review of my credit report, I noticed that SW CREDIT SYSTEMS L.P has placed an erroneous and derogatory entry, claiming that I owe them {$230.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since SW CREDIT SYSTEMS L.P saw fit to place this item on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of this debt. 

Please also be advised that this letter is not only a formal dispute, but a request that they cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) state in a letter to me that they would " verify the charges I was disputing and select a final course of action. '' At that time, my balance owing was {$270.00}, with the " amount due balance of {$170.00}. '' XXXX XXXX had taken over as XXXX 's credit card provider, from XXXX on Acct. XXXX. On their XX/XX/XXXX to XX/XX/XXXX statement, I owed {$140.00}. XXXX did not inform me in writing that they were taking over servicing all XXXX accounts and I immediately cancelled my XXXX XXXX card! XXXX XXXX never showed this account as cancelled, continued to charge monthly interest on it, despite my numerous attempts to contact them, both in writing and by phone, until my fake " balance was {$350.00} and had been sold to a company called LVNV Funding of Nevada, whose lies claim I began this account on XXXX XXXX, XXXX. This account has remained on my credit report with the XXXX preposterously unregulated " Reporting Agencies '' to this day, forcing me to miss receiving a loan from XXXX XXXX, a company with whom I had an exceptional relationship, but due to this one payment I do not owe to LVNV Funding, I was forced to get my auto loan at a much higher rate than the " XXXX '' rate XXXX XXXX offered and have been denied credit numerous times since. I am currently XXXX years old, collect Social Security of $ XXXX/month and can ill afford to pay more for basics such as decent transportation AND my good name restored, without relying on expensive Credit Consulting Services. 

Please insist that these lying creeps at LVNV Funding ( who also launched a daily collection call campaign against me in XX/XX/XXXX, close this account, as requested in XX/XX/XXXX, before it was " sold '' to phantom collection agencies and took on a new life, all derogatory to me. 

Only your organization can help, since this company is expert at contorting the truth, fears no legal measures to cease and desist their fraud and can only ( finally ) be muzzled by you! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this account with no validation being received. Please help as this is unknown

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 11/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: American Express cancelled our credit card account as a retaliatory measure for reporting issues to cfpb that we are having with our account. As a good faith gesture, we arranged payment of the disputed amount of {$3400.00} as an immediate balance transfer from another credit card, and caused to be withdrawn on XXXX/XXXX/2015 what we actually charged as payment in full on this account, {$7500.00}. These XXXX amounts actually cause us to overpay what American Express says is due. and it has been our custom for many years to have the amount due withdrawn from our checking account, and never has payment not been honored. Furthermore, I checked our credit report and no one, not even American Express has ever reported us past due and nearly all the accounts state 'paid in full. ' However, after six hours on the phone with American Express this day, they will not reinstate our account that THEY cancelled because of a disputed amount, in part a cyber fraud on the account. American Express states their attorney investigated the account, but this is not true. All we have ever requested is an explanation of charges, because the bottom line total does NOT equal the line item charges, and we have sent them spread sheets to prove this. There has also been an unauthorized payment to XXXX, made by American Express, which is also. or was also and remains, a part of this disputed amount, which ( as stated ) we have now paid in full. To make matters worse, they have harassed us through various emails and a robo-call this day. And they cancelled the account a full day before payment was even due. This is wrong. An account can not be cancelled validly under law when the amount causing the cancellation is a disputed amount. Now American Express states we have a bad account payment history, which according to the records and the facts, as well as Experian, simply is NOT true. It should not be this much trouble to pay a bill, and we should not be punished for doing the right thing and acting in good faith -- And they should not hold our account hostage and extort money out of us ( as they have done ) by threatening us with a bad credit report. We paid the disputed amount, and since money coming from our bank has been our business custom with American Express, they should not that require money forthcoming from our bank be immediately in hand. We are being punished because we reported a fraud on this account and refused to pay an amount we NEVER authorized to be paid by American Express. Our credit record is perfect, and now they are ruining our good and valued name in the business community as well as in the community at large. As I said, payment was not even due, and this was done to retaliate against us for reporting them to cfpb, and possibly to cover up an insider fraud at American Express. No reputable business would cancel a credit card prior to the due date on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received phone calls from Premier Recovery Group ( XXXX ) XXXX at my place of employment. The first time it was an extremely rude gentleman on the phone who I kindly requested to not call my place of employment. He stated " that does n't work for him '' and continued to harass me about when I would pay him so I had to hang-up. A few days later I received a call from the same company while at work, but this time it was a woman stating she was told by her coworker that I wanted her to call me back while I was working so I could give her my information to give her money. I told the woman that was false and asked her to please not call me at work - she continued to get increasingly harassing so once again I had to hang-up. The same woman called right back to my place of employment and proceeded to tell my coworker who answered the phone that she is sending paperwork to garnish my wages from my paycheck because I wo n't pay her and asked my coworker for the office fax number. I have asked Premier Recovery Group on multiple occasions to not call my work and now they are telling my coworkers I owe debts and they are going to garnish my wages. My boss caught wind of what was going on and now he wants to know why somebody is repeatedly calling the office and threatening to garnish my wages. Premier Recovery Group has crossed the line in several different ways. Premier Recovery Group CAN NOT disclose personal information to my coworkers about personal debt or say they are going to garnish my wages nor can they continue to call a professional business when they have been told not to contact me at my place of employment more than once.

Company response to consumer: Closed
Consumer complaint received 09/14/2016 about Debt collection (Federal student loan) with Allied Interstate LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I originally receive a letter of pending wage garnishment from XXXX, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called Allied Interstate LLC. I was never given the hearing or review that I requested.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX and Equifax continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, XXXX and Equifax is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, Equifax and XXXX. 

I am requesting that XXXX, Equifax and XXXX to CEASE and DESIST their negative reporting of XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is reporting a Bankruptcy on my report. The courts do not verify that information. That information is pulled from a third party reporting. Therefore it needs to be deleted.

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