milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Full Circle Financial Services, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received XXXX letters from Full Circle Financial Services claiming we owe {$150.00} to Shark Rocket Deluxe Pro Vacuum. I replied to the first letter stating we do not owe this money and have never done any business with XXXX XXXX. We then received a second letter. We do no own a XXXX XXXX Deluxe Pro Vacuum, nor have we ever considered owning one. They also claim it was paid for with a XXXX ending in a number that is n't any card number we have ever had.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Credit decision / Underwriting

Complaint: Yesterday, XXXX/XXXX/XXXX. I received via postal mail, a XXXX Cancellation of Debt " Corrected '' form for XX/XX/XXXX, but it was dated for XXXX/XXXX/XXXX from Bayview Loan Servicing , LLC at XXXX. XXXX XXXX, XXXX FL XXXX ( XXXX ). Should they not have included a dated date on the form or at least put the current year they are sending the form out to me? Please advise as I 'm not sure what to do here or if I have to file an ammended tax return now. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint with you once Case number : XXXX and you did not investigate Stearns Mortgage and they have since retaliated against me and are costing me money. People look to your organization protect them and to help them and instead by filing a complaint they have retaliated. I hope that you will actually investigate them and work to make them fix my situation. After I filed the complaint they have not mailed me a statement. I had to contact them by email to actually get XXXX ( attached along with their reply ). They then sent my personal information via unsecured email. They also said they would mail me a copy and did not. You will note that my home address is correct on the statement. They transferred the servicing of my loan ( letter attached, which I only received via email after MULTIPLE attempts and being promised multiple times I would get a copy both via email and by mail. ) You will notice that the address they mailed this to is the property address, not my address. They have been correctly mailing my statements for years to the correct address but did n't send the transfer letter to my correct address. Not only that you 'll see that in their email reply to me when they finally sent me a copy of my statement they never mentioned that my loan had been transferred even though they had allegedly sent a letter over a week before and this was only days before they transferred my loan. I unknowingly then sent my check to them, weeks ago, and it has disappeared. The new servicer even admitted that they may have destroyed my check instead of legally transferring it as they should have. I have had to submit an address change with the post office to the property that is rented ( cost {$1.00} ). i am probably going to have atop payment on the check and then if it turns up get a fee for NSF, cost $ XXXX. I have my personal information along with loan amount and payment sent to tenants in a rental property. Cost will probably exceed {$5000.00} and I have to be worried about identity theft among other issues. And this because I filed a legitimate complaint and they can retaliate because the CFPB is not protecting me. I have multiple times been promised things from Stearns including all kinds of responses and they mostly fail to respond .This is completely ridiculous. I also believe this may have been racially motivated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I spoke to a representative, XXXX XXXX and she said if I sent my reqest for financial hardship and financial statement they would forward to capital one and then we could discuss settlements. They have record of receiving my financial statement but instead of forwarding it they filed a lawsuit without ever contacting me or giving me a different option. Now I ' going to have a judgement on my credit report where it cold have easily avoided. It 's obvious they use lawsuits as a threatening and intimidationg tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 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: I have tried and tried to get XXXX and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that Equifax and XXXX have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XX/XX/XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XX/XX/XXXX ( see the red FP ). They are not allowed to show me late in XX/XX/XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ). Here, the court relied heavily on two of my cases, XXXXl v XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX) and XXXX v. XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX  XXXX XX/XX/XXXX), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted investigation request to look into wrongly reported Student loans on my credit profiles with Experian, XXXX, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.

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 10-12-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: -Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called PORTFOLIO Recovery Associates XXXX 
-After investigation, I found that Portfolio RA bought a false debt from XXXX bank without verifying the

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PR).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Since XXXX 2017 my record with Citi Bank Corp. reflects that I am XXXX and closed my Sears card on Saturday XX/XX/XXXX I was informed in the Sears store of XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that the system had rejected my card, To investigate today X/XX/2017 I call to the CitiBank and they informed me that its records showed that I had XXXX. I Investigate with the SS and with XXXX and in none this information appears. Citi Bank refuses to fix the error and demand a letter from the SS office. I am a XXXX veteran with a catastrophic condition and it is very difficult for me to go to the SS office. Citibank persists in keeping this false information in its files, which can hurt me in other financial and personal matters. I hope you can help me with this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries  removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On   XXXX   XXXX   2017 I was notified by the Mortgage Company that Stellar Recovery just popped up on my Credit Report for   XXXX   XXXX  . I stated I was confused as I am a current customer. So contacted original Creditor   XXXX   XXXX   and took them a couple hours to find the account as it was over 2 years old. They found it and stated it was a final bill and told me the amount. I informed that I would pay right now and they took payment successfully. Received confirmation   XXXX   of   XXXX   2017 that it was paid from   XXXX   XXXX    Thank You for Your Payment Receipt. Contacted Stella of which Stella informed to send over the document. I did and I do not know whether they received it or not to this day. I contacted   XXXX   XXXX    to notify them that Stellar has not shown that I paid the bill. On   XXXX   XXXX   XXXX   I walked into   XXXX   XXXX   office and they printed off a Statement Balance Sheet of which I again sent email  XXXX  and they still did not get it. I once again reached out to   XXXX   XXXX   and they again confirmed the Account is paid and again stated they sent it to Stellar Recovery. Contacted Stellar Recovery   XXXX   XXXX   XXXX   2017 and they still had not received anything more over they refused to do anything about it. Very VERY Rude. So once again back to   XXXX   XXXX   of which was stated to me that they were sending a Cease and Assist Letter stating the Account is   XXXX   Balance and to remove me off their system by   XXXX     XXXX   XXXX   XXXX   2017. Contacted Stellar Recovery around  XXXX  and they stated they do n't have anything and they are not sending any letter even after a conference call   XXXX   XXXX  , myself, Stellar including the Store Manager for   XXXX   XXXX   as I was in their office again on speaker phone stating to Stellar Recovery that the Acct. was paid. And they are still refusing all forms of confirmation of payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Good Evening, I am currently enrolled in a Master 's program at a school where I received a XXXX XXXX ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my Master 's out of pocket. 

There was an opportunity to Study Abroad next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. 

Next, I logged onto my account online for the school and there was a disbursement of over {XXXX} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. After some struggling, the school corrected the issue on their website. 

However, now a check was sent to me today, XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes XXXX. It is showing that I owe this amount, plus interest, and a {XXXX} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. 

I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

Please let me know if you need more information. 

Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I 've never been told that the bonus is calculated according to the statement period instead of calendar month, and the Santander rep who opened my account told me that every month I pay XXXX bill online and receive more than XXXX direct deposit, then I 'll get XXXX dollars bonus each month. And their public advertisement also indicated that it 's per month instead of per statement cycle. So, I paid XXXX bills online and have my employer direct deposit my salary to my Santander account. In XXXX 2015, I only received XXXX bonus for direct deposit and called Santander for the missing XXXX bonus for the online payment, they then told me that it should be counted by statement period, as I paid XXXX payments in XXXX, XXXX payment on XXXX, XXXX payment on XXXX, they wo n't pay for the XXXX bonus in my XXXX statement. The information I got was very misleading and it 's not right for them to forfeit my XXXX XXXX bonus for bill payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Got a voicemail from a company who said on my voicemail this was my noticed that I am being processed and paper are being sent to the county I live in. The call was to verify my address. The call back number is XXXX. I called back and XXXX XXXX said I owned a payday loan from XX/XX/2009 with Check N Go. She told me they are processing paper work for defrauding a financial institution. She said the loan was for XXXX and the balance is now XXXX. I told her this questionable loan is 7 years old. She told me she has 10 years to sue me for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: s Suntrust equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!

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 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with Advanced Collection Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company has been dutifully notified that they are in blantant violation o f Fla Stat 95.11  and the Florida Consumer Credit Protection Act as well as various subsections of the Fair Debt Collection Practices Act.  Advance Collection Bureaus has been told the letter of assignment has never been sent to a good address affording me the legally mandated 30 day direct dispute period prior to " LEGAL COLLECTIONS '' beginning. Also, this alleged debt is past the Staute of limitations to collect in the State of Florida. Also, a civil complaint has been filed with the State Attorneys office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 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 is missing that should be on the report

Complaint: I have sent XXXX, Experian and XXXX each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted. XX/XX/XXXX Mailed Address, Name, Work, Phone Number Information update. As of Mid XX/XX/XXXX, only partial information was updated but old information was still being reported. <P/>XX/XX/XXXX mailed another letter to XXXX and experian for all personal info to be updated.

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