milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I originally contacted the debt collection company midland credit management in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: 1. On XXXX XXXX, 2017 I paid my XXXX bill online ( from my online XXXX account ) in the amount of {$30.00}. It was reflected immediately as a debit on my online Chase checking account and deducted from my account balance. 2. On Friday, XXXX XXXX, the afore mentioned XXXX payment was still reflected as a debit out of my account and not included in the " current balance '' on this day. 3. On Saturday, XXXX XXXX, the afore mentioned XXXX payment disappeared from my account and the {$30.00} was added back to my account balance. On this same day I called Chase Bank Customer Service to inquire why my online payment disappeared from my account because it was a bill payment that, by this time, was now reflected on my new XXXX online statement. They indicated that they had no record of the charge and that it would not reappear on my account. I repeat, the customer service rep said the charge would not re-occur on my account. I asked if I should re-pay the bill. They indicated that I should. 4. On Monday, XXXX XXXX, my account still did not reflect the {$30.00} paid to XXXX and was still not deducted from my account, but the Chase rep had told me it would not re-appear, so I was not worried about it. Also, I was aware that my account was overdrawn {$48.00} from a XXXX XXXX XXXX visit so I went to the bank this same day and deposited {$60.00} in cash to cover this charge ( and anticipated {$12.00} tip ) to prevent an NSF charge on my account which would incur the next day, Tuesday, XXXX XXXX. This should have left my account with a positive balance the next day. 5. On Tuesday, XXXX XXXX, the afore mentioned XXXX payment was again reflected as a debit on my account causing an NSF charge, despite what the previous rep told me. I called Chase Bank again and explained all of the above to this rep. She told me that it was the fault of the merchant and that the merchant withdrew the previous approval that Chase Bank gave on XXXX XXXX, then re-issued the payment. This did not make sense so I called XXXX and they confirmed they did not, could not, and would not do this. 6. I called back Chase Bank and this rep told me I could only have so much reversed on my account per year and would not reverse the entire {$34.00}. She reversed {$32.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a credit card with XXXX. They approved me for {$300.00} on XXXX XXXX, on XXXX XXXX, I called them up and told them that I was not interested in their card and did not want to continue with the application. Now, on my credit report I see that they are reporting that I have a credit card with them and a balance of {$75.00}. When I called them and the credit bureau I was told that the account is going to be reported as closed. I was only 48 hours when I decided I did not want the card and therefore this card SHOULD NOT BE ON MY CREDIT REPORT AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I XXXX, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with Hurricane Irma, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Other

Complaint: I have been disputing a credit card account, that does no belong me, that was reported to all credit bureaus by Wells Fargo. The credit card belongs to my cousin who has had this card for more than 15 years, and in 2007, it appeared on my credit report. He called Wells Fargo to inform them that the card belong to him and should not be on my credit report. They told him all they could do is cancel the card but it will still show on my account negatively. He still use this card today. All these years this has effected my credit, my ability to get jobs, new credit, and most importantly, I have had to make some challenging life decisions because of this neglect from Wells Fargo.

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 03/13/2018 about Debt collection (I do not know) with Berlin-Wheeler, Inc. (Kansas) (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: No debt validation. Original creditors have been paid.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I recently received a denial letter for a store card that mentioned this CRA name XXXX XXXX and their phone number. I have around 15 months credit history in XXXX and have never missed a payment. All major main CRAs ( XXXX, XXXX, FICO etc ) have my rating above 700 but this CRA XXXX XXXX reported XXXX. Even thought they claim they have no part in credit making decision, they do influence credit making decesions with such low numbers in comparison with other XXXX. Something is not right here. I called them during business hours but they only have a voice mail. Their website is asking to send lot of personal information - copy of XXXX, XXXX proof in fax just to give me my free report. They should respond to phone calls about the credit reports but they do n't. I googled about this company and it seems that some people were asked for higher interest rates due to low rating by this company. Something seems off - either major CRAs are wrong or this company is purposefully doing wrong reporting or rating. Please investigate. You should also check if their are other similar complaint against this company XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with John C. Heath, Attorney at Law, PLLC (HI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I asked to be removed from their call list and the girl hung up on me ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my employer on multiple occasions after being told to stop, ex employers, ex husband, his mew wife, my choldren, family, coworkers, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my employer wrote me up for this and they wont stop

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 06/22/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been with my credit card company Sears for over 20 years.I recently have been having fraud against my account Sears dispute process credited money back to my account then reversed the credits?? I called and complained they canceled my card and refused to send me another one.This happened on Sat XXXX XXXX they said XXXX would be next day aired to me because I needed it asap it never showed up.I called them today XXXX XXXX and they were extremely nasty and rude and were charging me interest on fraudulent charges after a partial credit was given.That was the last time I said i would do business with them and they were disregarding a very important matter and a long time customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX originated this loan in 2004, then sold the Loan to XXXX XXXX that is now being serviced by Nationstar Mortgage. I periodically call to check my account status because I do n't trust these folks and now find out independently through XXXX and confirmed by a realtor who pulled a title report that my property was foreclosed on years ago, but yet my monthly mortgage payments are accepted, annual mortgage interest statements continue to be generated and they tell me my account is current. I have made several calls, escalated the calls past the newby customer services people, assured that it will be researched and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote XXXX on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: The XXXX '' XXXX tv I purchased from XXXX no longer works after having it a year and half, my XXXX/American Express failed to disclose limited purchase protection when affiliated with XXXX. AM/EX rep stated their " hands were tied '' to what the television 's manufacture repairman investigation concluded as to the cause of damage and its coverage. The rep also said if I had paid through my regular American Express the television would be fully protected and my money reimbursed. Additionally, I paid for extended warranty on the XXXX Tv and still was not honored. The manufacture 's repairman asked me to complete the online form explaining the XXXX problem with a photo picture of the television screen on. The next day the XXXX repairman based his conclusion on the photo image and accused me of damaging the screen without physically inspecting the tv.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On 2 separate dates (XX/XX/XXXX and XX/XX/XXXX ) I filed disputes with Eqauifax in regards to in accurate Bankruptcy ( XXXX ) being report on my credit report.On both disputes Equifax is listing the source/data furnisher as XXXX XXXX. On XX/XX/XXXX I received notification that the dispute filed onXX/XX/XXXX was complete and the bankruptcy had been reported as " accurate ''. On XX/XX/XXXX I called XXXX XXXX ( XXXX ) and spoke to XXXX. I asked him if XXXX XXXX had provided or verified any type of information from my XXXX XXXX Consumer Report with Equifax. XXXX advised me that there had been no release of my information to anyone as I have a freeze and suppression on my consumer report due to identity theft. XXXX also advised me that the only way information would be released is if I personally requested to have my information shared by providing XXXX XXXX with the PIN # for my freeze. I advised them that Equifax listed them as the source of verification for a Bankruptcy on my credit report. XXXX advised me that there would be no way physically possible for Equifax to obtain verification since the same Bankruptcy was also being disputed on my XXXX XXXX report and that XXXX XXXX would not and could not verify anything that is currently in a dispute status with XXXX XXXX. On XX/XX/XXXX I  submitted another dispute with Equifax for the Bankruptcy and on XX/XX/XXXX I received notification that the dispute was complete and that the bankruptcy had again been verified thru XXXX XXXX. Equifax has failed to do a thorough investigation and because of this my rights under the FCRA have been violated. Per FCRA any information that can not be verified or is inaccurate must be deleted from a consumer 's credit file

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was 3 months XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested TransUnion submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Transunion has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to TransUnion and TransUnion states it was verified by XXXX XXXX. TransUnion is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am the administrator for my daughter 's estate. I have recieved a short sale offer for the property. My realtor and probate attorney are working with the lender to close the short sale deal. The lender has approved the short sale and the buyer has opened an escrow by placing {$71000.00} down. 
There are complications regarding liens on the property which will take additional time to remove. The property is schduled to foreclose on XXXX XXXX, 2016 which will not give us enough time. The decedant 's ex-husband was ordered by the Superior Court of XXXX XXXX XXXX to remove liens from the property. These liens are in his mother and uncle name who reside in XXXX. He previously sent signed, notarized lien removal document to my daughter. I found these documents and gave them to my probate attorney. However, just recently we discovered that the paperwork he submitted is insuffienct to create a clear title. 
Corrected paperwork has been sent to the ex-husband demanding that he comply with the orders pursuant to the divorce decree. Since the deat of my daughter the ex-husband has been hostile and uncooperative. So far, he has not complied and we may need to take him to court to enforce the orders given by the divorce judge which will require an additional amount of time. 


However, there are complications which will require additional

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I returned a call to Heartland ECSI after receiving an automated call from them on XXXX/XXXX/XXXX, asking me to return their call. The customer service agent looked up my account and I logged in online to view it as well. She said it did n't show I owe anything and that I 'm not delinquent. However, my account page shows a past due balance, 1-month delinquency and a total balance due XXXX/XXXX/XXXX. This information varies depending on which section I view, for example it shows that I do not owe anything on the home page but in 'history ' it shows balance due XXXX/XXXX/XXXX. The customer service agent told me that I should n't pay attention to that, and reiterated that I do not owe anything. I asked why it says in parts of my account that I do, and she had no reason but again told me not to pay attention to that. She said that what I was seeing meant that I could pay on my loan if I wanted to. I viewed my most recent statement online ( ending XXXX/XXXX/XXXX ) which also showed a past due amount and current amount due XXXX/XXXX/XXXX. I pointed out that the statement does not say anything about a payment being optional. The agent told me that she did n't know why the statement looked like that and again said that I do not need to worry about it. I asked if I could record a conversation with them confirming that I do not have a balance due on this account, and she said they do not allow recording so they will not speak with me if I am going to record the call. I asked the agent if they record phone calls between us, and she said yes but only for training purposes. I asked to speak with a supervisor. I was put on hold, the agent answered the line again and said that all of the supervisors are in a meeting and she will ask them to call me later. There are no documents available in the 'document ' section of my online account. I am only able to view everything, including my statement, online so I am uploading screen shots of everything. I would like my online account and statements to accurately reflect my loan and payment status as well as any payments due so that I can protect myself as a consumer. They are not allowing this by having conflicting and false information online. They are misrepresenting my current responsibility by producing a statement that makes it look as if I have both a past-due balance and current balance owed. They said they mailed the statement but the address on the statement is a past address, which does n't match the one they have in my online account information. To top it off, their refusal to allow me to record our conversations makes it difficult if not impossible to protect myself against inappropriate attempts to collect this debt and negative credit reporting should it occur. Thank you for your time and assistance in remedying this situation.

Company response to consumer: Closed with explanation