milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XX/XX/XXXX2017 I filed a dispute with Western Union Netspend Prepaid Card company, regarding unauthorized charges, totaling {$320.00}, on my account. There were multiple charges. I sent a letter of dispute to the card company and after 10 days, they issued a provisional line of credit for the amount of the dispute. On XX/XX/XXXX2017 I received a notice from the company stating that {$200.00} of the dispute were found to be valid charges. The notice stated that my account would be charged for the provisional line of credit. The remainder of the charges ( {$110.00} ) were found to be unauthorized and the line of credit is made permanent. I am enclosing pictures of my letter of dispute as well as the notices I received. None of these charges were made or authorized by me. XXXX of the charges that was found to be unauthorized was made to the same merchant on the same date as the charge that was found to be authorized. I have contacted my card company concerning the results of their investigation and the representative insisted that the charge was valid and that the investigation is closed and ca n't be reopened. The representative informed me there is nothing else I can do. I then requested the account be closed, which they obliged. I do not want to be charged for purchases that I did not make or authorize.

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 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX, XXXX XXXX XXXX XXXX XXXX ) billed a Bank of America XXXX BOA ) credit card that was closed in XXXX XXXX. The BOA credit card account was also expired in XXXX XXXX. I called BOA to discuss and they stated they have no control over it as XXXX forced the transaction to go through on the 2nd occurrence after they received a denial the first time. XXXX was billing for an advance time period where service were not yet rendered. I did receive an email notification stating that if i did not update my billing information, my account will be downgraded. Thus the credit card on file will not be charged.

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 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Experian account # XXXX From XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company XXXX is reporting in accurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is the situation where they ca n't validate the information why is the creditors continue to report these items illegally on my credit report. I 've also written letters disputing the XXXX account and this item is also reporting illegally on my account. The other credit bureaus was able to remove the inaccurate information reporting against me but Experain have failed to do so. I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a complaint against Harvard Collections, located at XXXX XXXX XXXX XXXX XXXX Il XXXX. The phone number listed is ( XXXX ) XXXX. Harvard Collections held a debt of mine originating from the IL Department of Human Services ( phone : XXXX ) in the amount of {$1000.00}. That debt was paid by me to Harvard Collections on XXXX XXXX, 2016. I received confirmation of payment by collection manager XXXX ( XXXX ) XXXX ( XXXX ext XXXX ) and was informed that Harvard Collections sends payment to the original debtor once a month at the end of each month. He informed me that the Illinois Department of Human Services will not receive payment until XX/XX/XXXX which should be reflected before XXXX XXXX. I filed my taxes in XX/XX/XXXX. {$1000.00} was taken out of my taxes on XXXX XXXX, 2016 due to a tax offset for this same debt which was paid on XXXX XXXX, 2016. I contacted the Illinois Department of Human Services directly on XXXX XXXX, 2016 and explained to XXXX that I paid this debt twice. He informed me that I would have to wait until XXXX XXXX, 2016 for both payments to post in their system ( XXXX from Harvard Collections and another from the XXXX XXXX XXXX XXXX ). I contacted XXXX on that date and was informed that nothing was posted yet. He told me to follow up. I followed up XXXX XXXX, 2016. A representative informed me that the department XXXX XXXX XXXX received payment from the XXXX XXXX XXXX XXXX but did not receive payment from Harvard Collections. I immediately called XXXX XXXX at Harvard Collections and asked why this debt has not been paid even though I paid. He then said that his company does not deal with the payment to the original debtor and he would have to contact 'client services '. He would not give me a number or contact information. He later told me that he does not have a number for client services only an email which he would not provide to me. I have followed up with XXXX XXXX several times and he either hangs up wilhen I call or tells me lies. He wo n't refund me my money. The account has been paid twice and I ca n't find any resolution with Harvard Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Transunion twice now about their inquiry issue and the rep XXXX XXXX told me he was unable to comment on XXXX and the inquiry issue that I needed to refresh my browser. I put a freeze on my credit because I did n't know what was going on and i called them again to report this and their Customer Service would not help and take care of the negative inquiries reporting to your credit report.

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 12/22/2016 about Debt collection (Non-federal student loan) with National Credit Systems,Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have made several attempts with National Credit Systems to resolve a matter placed in their office. Numerous times they have violated the FDCPA in regard to validation. This matter is in regard to an apartment complex I was evicted from. National Credit System 's XXXX XXXX XXXX, stated the validation letter was mailed to the address I was evicted from. I updated the address months ago. I did not receive validation but a demand letter for an account that was not XXXX XXXX but an account that was out of statue. I call to advised. They apologized but never since the validation. This over 6 months ago. According to the FDCPA and state laws National Credit System has 30 days to get that validation to. In addition, National Credit System has never attempted to negotiate the debt. They made no attempts to contact. All communication has been on my part with the exception of a voicemail message rec 'd XXXX/XXXX/2016 from XXXX XXXX while I was holding on the other line. This company has hung up on me several times. They have been argumentative and rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.

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 04/30/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage off that I had with Nationstar. I still have not received my release of loan documents. All I now is that they hav my money but no evidence that it is paid off. I want papers that state that I no longer owe money on my home. I called and went through all the menus finally was connected to a real live person. I explained what I wanted gave him all the information including my social security number he told me he told me that he would have to research it for me. I was put on hold for XXXX minutes and then was disconnected. I should not have to go through all this consternation to get loan release certification. I am so glad that I no longer have a mortgage with Nationstar this is not the XXXX incident I 've had with them. They are not a reputable company. They seem to be a little shady and not really professional.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Risecredit, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Screaming at my Manager and sharing informationCalled them names and Hangup every time, Calling my family members and asking for me saying is about credit debt

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (MD).
Issue: Managing the loan or lease

Complaint: Hello, I leased a vehicle through Honda Financial ( dba Acura Financial ) in XX/XX/XXXX. I paid that loan off in XX/XX/XXXX and the installment account was reported as closed and " pays as agreed '' on my Credit Report. In XX/XX/XXXX, I was contacted by Acura Financial about " toll fees '' that I accrued in XX/XX/XXXX and XX/XX/XXXX unbeknownst to me. At this point in time, the lease account had already been closed and paid for ... well over a year. I told them I would pay the fees and made a single payment over the phone. I admit that I forgot to pay them after that as I did not have an active loan or credit account with them. I also did not receive any correspondence about the rest of the toll fees. On XX/XX/XXXX, I was alerted to a credit alert on my report. I noticed that my old lease account, which was closed and was once " pays as greed '' had changed to " pays XXXX days ''. As a result, my credit score dropped XXXX points. I think this is highly deceptive to anyone looking at my credit. This change implies that I did not pay my lease agreement on time which is untrue. I was NEVER late paying my lease or any of my cars. I had NO idea about these fees until over a year later. If I accrued these tickets in XX/XX/XXXX and XX/XX/XXXX..why was n't this added to my loan? Why was I able to pay my lease off with unpaid tickets? Why a year later? I admit that I forgot to pay the fees after being contacted in XX/XX/XXXX, but it seems they also forgot to add these " unpaid tickets '' to my loan while it was still active. I also do n't see how it 's legal to " update '' a closed account with false information. 

I purchased another Acura at a dealership and we had to payoff the account before I could obtain possession of the new car. I have proof that these tickets were added to my closed account over a year after the payoff was sent. 

I 've been very loyal to Acura and Honda up until this year, all I have purchased is Honda and Acura cars ... .but it seems they do not share the same loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Didn't receive services that were advertised

Complaint: I read news accounts of the Equifax breach of security and was concerned. In the news reports from XXXX and XXXX a link was given for consumers to check and see if their data had been compromised. I was taken aback when I saw it asked for 6 social security digits and last name so I tried to dig around and make sure as best I could that it was legitimate. I went to the Equifax site and saw the same address and layout and decided to try it.
XXXX XXXX XXXXXXXX I was not given any information about whether I had been compromised but was asked to return on or after XX/XX/XXXX to enroll in their ID protection service. I then saw earlier today a report that the site being used may also be unsecured and I became worried XXXX XXXX XXXXXXXX I tried to call Equifax directly and was directed to use their number for this specific 'incident ' which turns out is just a call center where employees do n't know any information at all other than if a person received a letter in XXXX they were affected and if not they were n't. But according to news stories today Equifax is not contacting all the people who have had their data compromised so they only way to find out is to sign away my rights to sue. Also if the check site is problematic or not secure, just by checking I may have exposed myself. I read reports from the XXXX XXXX this afternoon that by even just doing the initial check, whether I sign up or not, I may have given up my rights to sue Equifax. There was no button or any acknowledgment of these terms in the initial inquiry ad I have not signed up for the service. I am concerned they wo n't honor the terms of 'free service ' or will charge me immediately at the end of the year and be difficult to get out of the contract. After I poked around the website I did see a terms of service link, but no where did I have to acknowledge that I had read theses terms and agreed. So I do n't know what my rights are. I am a XXXX employee and I ca n't afford to keep a lawyer on retainer, which was the call center 's suggestion, and I am worried about more than the financial aspect as people have been arrested and jailed for crimes committed by someone else using a stolen identity. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with DISCOVER BANK (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a balance of 4000 plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. Discover has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges Discover is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew Discover would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against Discover now using this CFPB service. They still have not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (I do not know) with NELNET, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received several calls from Nelnet trying to collect money from me, but I do not owe any. When I called them today to ask about this, they claimed that no calls are being made to my number. The most recent call was made on Thursday,  XXXX   XXXX ,  2017 , at  XXXX  EST. They left a message on my voicemail which I have a recording of as proof that Nelnet is making calls to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Ocwen. They sent a letter stating there would be an escrow shortage of XXXX which I paid to keep my monthly payment the same as it always has been. I got a phone call today saying that my payment would be going up even though I paid the escrow shortage. The customer rep said it was due to increases in insurance and taxes but is n't this covered when they did the escrow analysis and made me pay over {$1000.00} to keep my payments the same. When I asked this they said the monthly payment would increase no matter what I did or if I had paid more. Never with any other mortgage servicing company have I had such problems. A yearly escrow analysis is done and if you pay the shortage your payment remains the same. What kind of " cushion '', as they call it are they allowed to keep of my money and STILL RAISE MY MONTHLY PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 10/29/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home with my servicer, Shellpoint Mortgage Servicing, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed Shellpoint received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called Shellpoint several times for an update after the submission. No calls were ever returned. Shellpoint only returned the calls after the home had already foreclosed. 

I never received any approval or denial letters from Shellpoint until after my home was foreclosed on XXXX/XXXX/2015. My attorney finally obtained a copy of a denial letter from Shellpoint by fax on XXXX/XXXX/2015. My home was foreclosed while waiting for a response from Shellpoint. 

I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date and actually foreclosing my home. 

My servicer XXXX set a sale date before my timeline to appeal expired : Denial Letter dated : XXXX/XXXX/2015 ( Attached ) Timeline to appeal per denial letter : XXXX/XXXX/2015 ( Attached ) Sale Date set on : XXXX/XXXX/2015 - XXXX ( Attached ) My real estate attorney states RESPA Regulation X ( 1024.41 ) ( Copy Attached ) prohibits servicers from moving forward with an order of sale while under review or within the appeal period for loss mitigation. I feel XXXX Shellpoint Mortgage Servicing broke the law when they moved to order a sale date on XXXX/XXXX/2015. They should have waited until after XXXX/XXXX/15 to set the sale date. 

In summary, I feel I was illegally foreclosed while I was awaiting a decision on a loss mitigation application. My servicer purposely hid the fact they had denied me in order to evade allowing me to appeal the decision. They illegally set a sale date against me on XXXX/XXXX/2015 during the timeline in which I was supposed to be able to appeal. They did not allow me to appeal the denial by way of hiding it from me. I did not actually receive a denial letter until XXXX/XXXX/2015 ( Attached ), which is after they had already foreclosed me. I am sure Shellpoint XXXX will attempt to tell you that this is all a misunderstanding, but it is very evident it was on purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

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