milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX from the XXXX XXXX XXXX XXXX left me a message that seem robotic saying to call them to verify my address in order to expedite my assets

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call every hour on the hour, they dont leave messages so I dont know who they are calling for. While Im aware of my debt, I wont answer a call unless I know who they are and who they work for. Ive called the companies multiple times about my debt and was told they cant work with me. Yet I received text messages constantly saying they are willing to work with me. XXXX XXXX is where most of my debt lies, Im aware of the issue, but calling constantly and not giving me information about who they are is a problem. When they leave a message its vague and say this is going to directly impact my life. Now they constantly call on unknown numbers that I can not trace to verify authenticity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it XXXX concern, XXXX negative accounts ( XXXX XXXX XXXX, XXXX and XXXX are fraud charges, NOT MINE. see attachment ) on Equifax credit report are incorrect. Filed claim to equifax fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with grantors, police report. Equifax is refuse and ignore to remove fraud accounts from my personal credit report without one valid response, this endless investigations time goes on. 
During the last 60 days investigations, Equifax found that they have different personal ID and information on their record, I had to supply my ID and proof of residency twice, every 30 days. Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I found grantors of the credit accounts through credit report, notified them there are fraud account opened on my name, demand them to close account and validate via USPS Priority Mail Three times to each grantor ( s ). These grantors ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Equifax has not provide me any valid response as of today, meanwhile, it is keeping negative account on my credit report causing me serious harm. ( My normal credit scores is range from XXXX to XXXX. Due to this credit fraud incident, my credit dropped to low XXXX. My line of credit account credit line has been terminated due to low credit scores and yet agency does not fix its reporting timely manner nor cares to read my evidences/affidavit provided to them at all. 
I can not express in word how devastating process it is to go through with Equifax. Their customer service phone responses were, " if grantor said it is valid, then it will have to stay in credit report for 7 years ''. They are not listening to me nor reviewing documents I attached. 
I have notified all XXXX accounts on XXXX XXXX, XXXX and XXXX that they are Fraud accounts, close account effective immediately three times. And phone and XXXX Mail. And Equifax has the attached documents and yet they act as if they are not reading nor hearing it. 

PLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EQUIFAX TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.

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 11/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I called Ocwen and asked why our credit history was not being reported to the credit bureaus, they said they did not have a reaffirmation letter on file from our bankruptcy in XX/XX/XXXX. I explained we had a copy of the reaffirmation letter from the lawyer who took care of our bankruptcy and that we would fax it to them on XX/XX/XXXX, which we did. We also contacted our lawyer who confirmed the bankruptcy including the reaffirmation letter was signed by both he and the judge and processed on XX/XX/XXXX. 
I called back on XX/XX/XXXX explained our situation again and the information that had been faxed and confirmation from our lawyer, I was told it would take XXXX business days for the information that was sent to be received and documented. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, he could not confirm he had the documents that were sent or what the court documents said. He suggested waiting and additional XXXX business days or more for the information to be inputted into the system, they would have to investigate, contact court records from where we filed the bankruptcy in Massachusetts. On XX/XX/XXXX I called and spoke with XXXX ID # XXXX, still no information available, she said she was going to open " Escalation for Court Response '' and suggested I call back on XX/XX/XXXX If no response from the court has been received at that time she said she would hand the issue over to her supervisor. My husband and I are trying to re-finance our home, we have good credit and we qualify for the Harp loan but we can not re-finance without information from our mortgage company XXXX XXXX ) being released to the credit bureaus. I do n't want to be passed on to another and another and another any more. Ocwen holds a small XXXX mortgage attained in XX/XX/XXXX from GMAC when GMAC filed bankruptcy, I feel they are holding our information XXXX. XXXX XXXX XXXX is NOT what they do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Convergent Outsourcing sent me a bill for an alleged debt. The alleged debt is past the statute of limitations. I do not want any further contact from Convergent Outsourcing in any form. When I have spoken to Convergent in the past they misrepresented who they were which is a flagrant violation of the Fair Debt Collections Practices Act. I do not owe any alleged debt they are trying to collect. They are hostile and abusive when speaking with them.

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I 'm confused as to why XXXX XXXX REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with Equifax as well as XXXX however to no avail. Equifax said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with XXXX knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XXXX and I have given XXXX as well as Equifax more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am currently in a program that has never been explained to me and am not paying anything back bc my income is so low. I would like a better explanation of the program I am in and how I am supposed to pay my loans back by a real person who XXXX as as their first language who has more understanding than I do

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: XXXX 2015 received credit card statement from Macy 's. Balance was {$110.00} and I paid it in full with a XXXX XXXX check. When I again received my statement in XX/XX/XXXX it showed a non payment and interest and fee attached. I checked my XXXX XXXX Statement and check was cashed XXXX XXXX electronically by Macy 's. I faxed my bank statement to payment research a department I believe is with Department Stores National Bank. XX/XX/XXXX and XX/XX/XXXX statements have still not been corrected to a XXXX balance on my account. I went to XXXX XXXX for assistance and was told they could not provide me with the transaction number because it had been to many weeks and they were not able to retrieve it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account XXXX Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " PAID/CLOSED/XXXX BALANCE '', and not Current in its PAY STATUS 3. This account has incorrect Pay History. 
4. This account has incorrect Balance History 5. Please validate this account, and its Pay Status, History and Balance History

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Dear Sir or Madame on XXXX I sent Experian a letter pertaining to XXXX XXXX XXXX # XXXX. Presently, I have not received a response back from Experian. This account appears to be re-aged and should have been deleted XXXX. The last date of payment listed on older credit reports is XXXX. Enclosed are these older credit reports : XXXX Report # XXXX Last Payment Listed XXXX XXXX  Report # XXXX Last Payment Listed XXXX XXXX Report # XXXX Last Payment Listed XXXX Since XXXX XXXX, XXXX, was the last day a payment was made on this account, than the date of delinquency should have started around that date. Therefore, this account should have been deleted around XXXX XXXX. 

At one point in time, XXXX and XXXX had the credit first account listed but due to the account being past 7 years, they deleted the account off of their record.

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 12-01-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have a collection account on my credit report who was supposed to be included in my bankruptcy. I want to make sure that this is account reflect discharged in bankruptcy with a XXXX balance and be reported to credit agency correctly. do n't want to received anymore calls from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Date:XX/XX/2017 Company : TransUnion Situation : The company supplies the free credit report without a fico or any sort of credit score. When trying to obtain a credit score, the company forces you to click on a link to " view credit score '' which they then automatically sign you into a {$19.00} per month subscription without warning or confirmation of payment. They first ask for credit card information beforehand without any information as to why ( i.e. no amount to pay shown ). Because one has been primed to supply private information for credit report, one is led to believe this is just another step to obtain a credit score.
When I noticed the charges, I had to call and cancel to get a refund. Others may not have paid attention to this and may have recurring payments to TransUnion.
The website was accessed by requesting a free credit report from : XXXX and choosing TransUnion.

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 02/27/2018 about Debt collection (Other debt) with American Credit Acceptance, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have asked for proof of validation from XXXX  XXXX  and XXXX the debt is account number XXXX American Credit Acceptance. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called Chase several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed ( see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX stating that my account owing XXXX was not paid off. This was one of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and MCM says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: I put in an insurance claim on  XXXX   XXXX  for a property I have I Virginia, due to the extent of the damage a check was issued in the amount of {$8100.00}. The check was issued in both my name and the mortgage compa ny Ocwen Loan Servicing. I paid the contractor with my own money in order to speed up as I had to send the check to Ocwen to be endorsed, I notified them that the contractor wa s paid and provided proof of doing so. I also made them aware that the check for the full amount need to be made out to me, they assured me that would be done. They then sent me a check made out to The Estate of  XXXX   XXXX , The Estate of  XXXX   XXXX  and myself. After a lot of back and forth they sent me an envelope to return the check because The Estate of  XXXX   XXXX  was no longer on the loan and there is no way the check could be deposited. It has now been an additional  4 weeks and Ocwen Loss  Draft division has not returned the check with the corrected names, I spoke to a manager on  XXXX   XXXX  and was told that the check was cut and just waiting on shipping. Called on the  XXXX  and was told that it take s 3 to 5 bus iness days to process shipping, called on the  XXXX  and was told to call back on the  XXXX  for my tracking number. Called on the  XXXX  and was told that it 's still waiting to be picked up by  XXXX  and I should call back on Tuesday  XXXX  to get my tracking number, when I called today I was told that the check was not printed because their printer is not working and there 're not sure when it going to be up and running. I feel like the are just giving me the run around and do n't want to refund my money.

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 01/26/2018 about Mortgage (VA mortgage) with Servis One, Inc. (CO).
Issue: Trouble during payment process

Complaint: I filed with CFPB on this already Case Number XXXX. 

I received an email today stating the case was closed because the Lender responded. The response was they have taken care of this matter. 
They have done NOTHING! I have still not been reimbursed. I have been lied to over and over that the check has been mailed. 
My insurance company still has not received any money from the Lender. 
This is ridiculous. I have spoken with every supervisor and customer service person there and each one of them tells me a different story. They have blamed the previous lender which is crazy as the previous lender sold the loan on XX/XX/XXXX and the Insurance payment was not due until XX/XX/XXXX. 
They told me they would send me a check. They did not. They told me the check would be sent to the Insurance company and was already cut..it was not and they did not send anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Taking out the loan or lease

Complaint: I do n't have any credit cards and a lot of student debt so, my credit score is not very high. My job is an hour drive from my home so I needed a reliable vehicle. My interest rate was 21 %. 

I financed a vehicle for {$14000.00} in XX/XX/2012 with Santander Consumer USA. Currently I have paid them {$19000.00}. I have had some late payments which I understand can cause fees. I was looking to trade my car in because I am now driving a XXXX with XXXX miles to and from work for 2 hours every day and I have a small child who I would rather have in a more reliable vehicle. Checking the balances, I see my payoff balance is now {$13000.00}. This means over the past almost 4 years I have paid roughly {$1600.00} towards the principle out of the almost {$20000.00} I have paid towards the loan. If I pay this debt off according to their calculations, I will pay {$32000.00} for this car. There are numerous convenience and miscellaneous fees showing on my account. 

With the interest rate given, and the amount financed, I should pay a total of {$22000.00} on this loan, currently leaving me a balance of {$3400.00} NOT {$13000.00}. I have been changed and extra {$10000.00} in miscellaneous, convenience and late fees. While already paying an outrageous interest rate this company is taking advantage of people trying to build credit, then also hiding and deceiving. I was told by Santander my options were to pay the $ XXXX dollars to own the vehicle or to have it repossessed, they would sell it and then I would still owe for the remainder of the balance they would not get from the sale of the vehicle, further destroying my credit. The people I have spoken to are unknowledgeable and often say the same thing which tends me to believe everything they same is scripted. If I am late on a payment, they call me roughly once an hour while at work. 

What I want is to pay {$3400.00} to pay off and own this vehicle. That would be in alignment with my current loan and honestly that is still unfair, but is what I originally agreed to. I want Santander to remove all the errors on my account and all of the miscellaneous and convenience fees I was never aware were being charged. If this does not happen I am prepared to speak further to legal council about the laws they feel Santander has already broken. Thank you for your time and help in this matter.

Company response to consumer: Closed with monetary relief