milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Aspen National Financial, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Aspen Collection is tr ying to collect maintenance fees in the amount of {$290.00} from o ur ( m y husband and I ) rescinded timeshare contract from  XXXX   XXXX   XXXX   XXXX . Aspen sent us a notice of collection in  XXXX  of  2016 . At that time, our timeshare contract was still in the process of still being cancelled. We disputed the debt with a response letter on  XXXX   XXXX   2016 . Aspen responded to our letter on  XXXX   XXXX     2016  with a copy of our contract. The issue is Aspen has not sent anything else in writing since  XXXX . It took my husband and a little over a year for the cancelled timeshare contract to be processed. From what we know as of  XXXX   2016 , our timeshare contract has been rescinded. We have not received any contact or documentation from the resort since  XXXX   XXXX   2016 . It has caused us much financial distress and something we never wanted to purchase in the first place. We were pressured into buying it through fraudulent practices and false promises by the  XXXX   XXXX . My credit took a hit due to the collection of the maintenance fees being sent to the   XXXX   credit bureau. Howeve r, Aspen has  been calling our house at least once a week over the last month still trying to collect a debt. They have not sent us any documentation since  XXXX   XXXX . It is our impressio n that Aspen is u naware our timeshare contract has been rescinded and is trying to collect on something that no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Title loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: About 3 week ago I applied for a loan for a used car ( {$25000.00} ) with USAA. I paid ( {$2500.00} as a down payment for this car ). When speaking with the loan agent before I had taken the loan I inquired ( twice ) if I would be able to pay off this loan by using my Credit Card. Twice the USAA agent assured me that I would absolutely able to pay off my USAA loan by using my credit card. So with that information I proceeded to get the loan. Today, XX/XX/2018 I called USAA to pay on my used car loan by using my credit card. The USAA agent said that I was unable to use my credit card to pay from my loan! So I asked to speak with the manager, which I did. The manger again stated I was unable to use my credit card and that the loan agent would be trained on policy of payments. I stated to the USAA manger that I was sold a fraudulent with bait and switch information to get  me to sign off on the loan. Today I posted on USAA 's XXXX page about my experience as I am looking for USAA to follow through on their promise so that I may proceed on making loan payments ASAP

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never have or had an account with a utility compa ny. ( Nev er have a utility account in my name in the Unite d States ). A mount shown on my credit report is {$1000.00} as collection on  XXXX   XXXX ,  2017 . I disputed this amount  with Trans Union an d they refused to delete it from my 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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I obtained my credit report and notice that their was multiple inquiries I did not authorize. I then proceeded to contact the company who ran my report and ask them to delete the inquiries and I was advised to contact the Credit Bureau so they can dispute the inquiries and take them off. I sent out a multiple removal inquiry letter to all 3 bureau 's and received notice on XX/XX/XXXX that they can not dispute the information for me until I contact the company who ran my report to delete them. Which is why I sent out the letter to them because I had already contacted the companies with no success. These inquiries have no active account or contract. Below are the bureau 's i attempted to dispute these inquiries that were not authorized along with the company name and date. <P/>TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am disputing a {$100.00} charge that XXXX says that I owe them. I disputed the charge because of poor quality of service from them. My credit card company ( XXXX ) which had been automatically paying my Dish monthly charges for the past two years agreed with my dispute and credited my account for {$100.00}. Based on that I thought that the issue had been resolved. Subsequently a company known as XXXX XXXX ( a collection agency ) obtained the account from XXXX and filed it as an unpaid account wth the credit reporting agencies. I have documentation from XXXX indicating that the issue had been resolved. I feel that the credit reporting agencies unfairly accepted the information from XXXX. As a result my credit score unfairly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have paid my account in full ( less than 30 days since receiving notice ), and I am still receiving multiple calls per day. Today I received a call from Pinnacle debt collection and told the person that I wanted to speak with the representative of the company that holds my maintenance dues in order to sort out why they are saying I owe more money than was paid. He refused to hang up and blocked my line from being used for outgoing calls. I would hang up and wait 30 seconds and pick up the line to call out and he was still there. This happened for over 20 minutes and I found it extremely uncomfortable and intimidating. I also realized that I was unable to call out if there was an emergency in my home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen loan servicing took over my loan. The loan was already modified when they did. Since that time they have demanded a cushion for my escrow which is causing me extreme hardship. I went from {$1500.00} to XXXX in 2 years. My insurance has premium has decreased and my property tax has not increased. XXXX I asked to pay my own tax and insurance on the property. They refused and told me that the loan had to be modified for 5 year before they can waive escrow. This was XX/XX/XXXX. XX/XX/2015 is the five year. XX/XX/XXXX I again requested to pay my own because it would be less hardship for me. I would not have to maintain a cushion. I already approached my city about this. Now I receive a letter from Ocwen saying they can not waive the escrow and the reason is that the loan must not be delinquent in the last 12 months. I have never missed a month 's payment. I have had to pay a late fee because I am paid twice per month and it takes all of my salary to meet their demand. I am current on the payments. I qualified for the modification because of hardship, how can a mortgage company insist on making it even harder for someone with extreme hardship?. I have owned the property for 28 years and I never experienced anything like this. Please help me, I am at my wits end. They collect {$1500.00} per month in escrow only, totaling {$18000.00}. My escrow payment this year is {$15000.00}. I can not lose my property because of Ocwen. Please help me. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: In XXXX of 2015 I offer to purchase a short sale of property with Bank of America after submitting all the documentation the contract, short sale agreement sign by both parties the bank send a counter offer which was accepted, waited for about a week to find out through equator that the negotiator have shut down the deal because he said he tryed contactingthe seller and due to lack of respond he closed the deal, and have us resubmit the whole short sale offer. We went through the whole process to find out after a month that the deal was dead beacuse the negotiator made the determination that the transaction was not an arms-length transaction due to the fact that a real estate agent was not used nor that the property was listed in the XXXX but instead in XXXX. ( by the way the saling price agreed upon was above the maket value of the property and no relationship whatsover with the seller making the transaction an arms-length ). Now in order to sale the property the seller have to re-list the property with a realtor which will increase the cost of the transaction, and to make matters worst I could not purchase the property as per policy of Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They called and left a message on my cell phone for my husband, did not give name of company, just stated XXXX needed to call XXXX XXXX part of the legal division of firm, that it would be going out today. To call her at XXXX ext XXXX. And refer to document number XXXX. I called this number back and asked what the name was asset recovery associates.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I purchased jewelry at XXXX XXXX XXXX in XXXX XXXX, MN. with the understanding that I could pay it off in six months with no interest. Much to my surprise, I received a Wells Fargo Credit Card with the first monthly bill. I did not ask for and did not want a credit card. I have never used the card and have paid the monthly bills by check. 

I am submitting this information because I received an e-mail which I believe may have come from the CFPB asking if I have ever received a Wells Fargo credit card that I did not request or want.

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 05/15/2017 about Debt collection (Auto debt) with Security Credit Services, LLC (VA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Security Credit Services  ( Original Creditor :   XXXX   XXXX   XXXX    )    XXXX   XXXX   XXXX   XXXX   XXXX  , MS  XXXX  - {$9800.00} This was  Auto Loan  with another company by the name of   XXXX   XXXX   XXXX  . Upon me trying to make my credit situation better I had no idea what this company  (   Se  curity Credit Services  ) was because this is not the original creditor. I disputed this debt and now they are listing it as if its a new debt noted   XXXX   due me disputing it. This is a old debt from   XXXX   ; by law they have to go by the date it originally defaulted with the creditor. I was never told that this account was being sold off to another company. This is really disappointing when I am truly trying my best to better my credit situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland funding llc is trying to collect on a debt that is not mine it was opened for my father who has the same name is me

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have dispute remarks only credit report that they refuse to remove. I have called the collection bureaus multiple times as well as Navient. I wrote a letter to Navient requesting the dispute remarks to be removed. They keep saying it is taken care of but they keep putting " consumer disputes after resolution '' back on my report. The keep telling me it takes 30 days but it has been over 3 months. I DO NOT want to dispute this account i need the disputes remarks removed immediately. I am trying to buy a house and can not get approved for a loan because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following XXXX XXXX account on my credit report are showing 120 days late payment which XXXX XXXX U.S. Department of Education department honored to remove the 120 day late payment from my credit report. Please see letter enclosed from XXXX XXXX XXXX and please update my account and remove the only 120 day late payment that was listed in XX/XX/2017on my credit report. 

The letter enclosed includes the following XXXX XXXX   account numbers : XXXX XXXX XXXX XXXX I have also faxed your company the letter enclosed and filed a dispute with your company requesting the information the be update and never heard anything or received a responce

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 08-10-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Settlement process and costs

Complaint: I am trying to refinance my property in California. I have been approved to subordinate my Citibank line of credit. Citibank prepared the Subordination Agreement and requires me and my wife to sign it. My wife is deceased. Citibank refuses to change my wife 's status to deceased. Citibank is making it impossible to refinance by this request, causing me great financial hardship. I sent Citibank her Death Certificate. They still refuse to change her status

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Partial account # XXXX. I recently discovered that Home Depot/ CITI BANK reported to the credit bureaus that I was 30 days late for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted Citi Cards on or around X/XX/17 and explained what happened and they initiated investigation. On XX/XX/17 I called CITI BANK and they advised after conducting their investigation, they would not be fixing the error. I have checked my back statements and made the following payments and was never 30 days late. X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITIBANK on X/X/17 ) X/XX/17-made payment of {$140.00} ( on-line payment # XXXX ) X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITI BANK on X/XX/17 ) These inaccuracies reported by CITI BANK has caused my credit score to dropped my score dramatically. They do not seem to care.

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 10-07-2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Other

Complaint: I am on the DO NOT CALL REGISTRY and get calls on my cell phone everyday from this NJ number which is a Chase Collection agency. I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Mortgage) with TOWNE MORTGAGE COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Towne Mortgage is a company that purchased a home sometime this year from XXXX, a company that held a mortgage on which I filed chapter XXXX bankruptcy and had discharged in XXXX 2014. Towne Mortgage has fraudulently reported on my credit report that I have an account with them that was included in bankruptcy, so that it seems I have XXXX mortgage accounts that have been included in bankruptcy. I have never held an account with them and because the loan was discharged, I was legally no longer obligated to this home or loan. Since they have recently purchased this home, it has began to appear on my credit reports in the last 2 months and has negatively affected my credit score. I have provided proof to the company that this account is also showing with a balance owed on my XXXX report and is being reported twice by Towne Mortgage on my XXXX report. I have been back and forth with Towne Mortgage for the last 3 months over the inaccurate reporting and the negative impact it has had on my score and subsequent ability to gain credit. They have yet to resolve the issue. As I have explained to them, as well as my bankruptcy attorney, once the debt was discharged, they do not have the right to report anything on my credit report regarding the debt, since they were not the holders of such when it was discharged and the loan was not reaffirmed after my bankruptcy. XXXX XXXX has correctly reported the debt, and it reports on all XXXX as included in BKP, as it should. XXXX Mortgage has never been a holder of any debt that I am responsible for, therefore should not be reporting anything on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation