milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX demanding payment of a debt. I responded in writing requesting this company validate the debt on XXXX XXXX, XXXX. Thirty days went by and there was no response then after an additional 14 days I received a letter on or about XXXX XXXX basically ignoring my request and repeatedly attempting to collect a debt. I have been under tremendous stress and mental drain dealing with the aftermath of Hurricane Harvey and the widespread tactics of scammers preying upon vulnerable people. So I again write another letter to XXXX on XXXX XXXX, XXXX asking them to provide the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Any other legal action by you or any creditor regarding this account Complete transaction history from inception of the account Correspondence address of alleged creditor. 
Prove the Statute of Limitations has not expired on this account Provide copy of your license to collect in my state Provide your license numbers and Registered Agent or Agent of Service The company ignored my request and instead sent another robot letter on XXXX XXXX, XXXX demanding payment on an unverified and unvalidated debt. These letters are causing me continued stress and strife in my already fragile life as I struggle with a XXXX XXXX and on the brink of taking long term XXXX. I believe my rights under the Fair Debt Collection Practices Act are being violated. I have the right to request validation of the debt this company alleges I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I 'm not sure why any reputable company is unable or unwilling to comply with this simple request. 

I am not sure why XXXX is refusing provide any of the information I requested above on the alleged {$740.00} debt it is attempting to collect so I am requesting the assistance of XXXX to help with this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with ERC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Never received debt information from collection company. Debt is supposedly with XXXX XXXX XXXX for {$1000.00}. ER i.e. collection company has placed debt on all 3 credit bureaus. I was not notified of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My first is XXXX, Last name : XXXX XXXX last XXXX digit of my social XXXX XXXX, XXXX XXXX am residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.This address is commonly known as XXXX XXXX XXXX XXXX XXXX, NY XXXX address was wrongfully reported by capitalone as XXXX XXXX XXXX XXXX XXXX, NY XXXX which does n't match with what XXXX, XXXX , XXXX have on file.In order to fix the issues I spoke to capitalone supervisors, unfortunately they could n't help me to update my real address.I spoke to XXXX XXXX XXXX XXXX is capitalone supervisor.Currently there is fraud alert placed on my equifax, XXXX, XXXX credit report.I 've been victim of identity theft XXXX in less than six months.Capitalone customer service was helpless.I am US citizen, it should n't be some citizens with half rights.Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While in XXXX, a gas station attendant stole my credit card and fraudulently charged to it. I immediately disputed the charges with Barclaycard. Barclaycard sent me a letter saying that they investigated the transaction and their research indicated the transaction was valid. The letter says that the results of their investigation were enclosed with the letter, but nothing was enclosed. I called to resolve the dispute and spent over 1 hour on the phone, mostly on hold being bounced between departments because Barclaycard could not figure out whether this was fraud or not. I still have not received resolution on this matter. Is their strategy to make customers hold for so long that they eventually give up?

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 02/16/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX I started a loan modification ( FHA HAMP ) with Bank of America, this lasted 5 years and more than 15 different loan modification papers sent to my house for me to sign and notarized. My original loan amount was {$220000.00} at 5.25 %, when the original set of document were signed my balance was {$210000.00} under the modification {$48000.00} was put in a Subordinate Note. the interest stayed the same and my loan was extended back to 361 term ( it was at 331 ). Present day, I am trying to do a refi cash out to make improvements to my townhome, during the process we have found that BOA said I had 2 loan mods, which shows as liens on my property one for XXXX and one for XXXX they also stayed that I was late in my paper work ( at the time I did not noticed that in the 15 different packages the sent me ), I never missed a payment or was late at any time with them. 
the fact that it took them 5 years to do a loan modification, now in XX/XX/XXXX my loan is jumping back to {$200000.00} ( with the {$48000.00} added back to the loan, present balance with XXXX is {$150000.00} ) which also means that in 10 years I have only paid XXXX off this loan makes me feel like I was taken for a ride by BOA. I would like a certified letter that shows the {$51000.00} lien/debt gone and any explanation of what happened and why my loan $ is still so high. 
I have requested a timeline copy of all my payments made to BOA. 
thank you in advance, 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 07-05-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my servicer, CitiMortgage, until I paid off my mortgage # XXXX, XXXX # XXXX last summer. I have no idea who actually owned the mortgage. An undated Release of Mortgage by XXXX XXXX XXXX XXXX , XXXX recites that it " does hereby acknowledge that it has received full payment and satisfaction ... and in consideration thereof, does hereby cancel and discharge such Mortgage. '' If CitiMortgage gave my payments to XXXX , XXXX, it misapplied them. XXXX, XXXX does not lend money ; can not hold legal title ; or be a mortgagee under XXXX. law. XXXX. General Laws c. 183, s.65B. I asked Citimortgage repeatedly to return my promissory note. It did not. On XX/XX/XXXX, I sent Citimortgage a Qualified RESPA Request, Notice of Error, & Request for Information for, inter alia, ( 1 ) whatever instrument assertedly authorized " XXXX XXXX, Assistant Secretary '' to execute the purported release of my mortgage on behalf of XXXX XXXX XXXX ; ( 2 ) if my loan was securitized, the complete name of each specific Trust in which it was supposedly securitized ; ( 3 ) the XXXX number for each Trust ; ( 4 ) the Trust 's opening and closing dates ; ( 5 ) the date that my mortgage loan was assertedly sold into the Trust. 
If the Trust 's Pooling and Servicing Agreement or equivalent instrument is not on the public record, provide a certified copy. 
Provide my original, wet-ink promissory note executed in respect of this mortgage, IN ITS CURRENT CONDITION, showing all indorsements or allonges ; Identify the principal ( XXXX ) for whom XXXX XXXX XXXX purported to act as of XX/XX/XXXX and XX/XX/XXXX, with written proof of any authorization for XXXX, XXXX. 
( a ) to act as of those dates for the lender, or the lender 's then-current successor or assignee, with respect to my mortgage, and/or ( b ) to receive my mortgage payments. 
I also asked whether my mortgage was ever assigned, & if so, certified copies of all assignments ; andTo confirm or deny whether my promissory note was ever sold separately from my mortgage. 
And some other things, including the Servicing File. 
Citimortgage received my request on XX/XX/XXXX, per USPS Domestic Return Receipt # XXXX XXXX XXXX XXXX. A XXXX XXXX signed for it. 
I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with Recovery One, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Payday loan debt) with Cash Security, Inc. (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I spoke with XXXX, an employee, on XX/XX/XXXX at XXXX, in regards to my payment. Monday, XX/XX/XXXX, was XXXX XXXX XXXX XXXX, and the banks were not opened to receive my unemployment payment. I explained to XXXX, that I did not get paid on the XXXX because of this, and that I no longer had transportation. She advised me that she would extend out my payment for five days, so that I could send it by mail, and to give me extra time due to negative, below zero temperatures, and that I'd have to walk to mail the payment. On XX/XX/XXXX, I received a voicemail from XXXX, the Vice President of Operations, stating that he had not heard from me since making the agreement. I returned his phone call on XX/XX/XXXX at XXXX. Upon speaking with him, I hold told him that I had spoke with XXXX the previous day, and she'd extended the payment due to weather and the holiday. He said, " I make the decisions around here, and what I say is gospel. You need to get in here to make the payment, or I will file a hearing of assests, issue a bench warrant, and have you thrown in jail. You won't have to worry about being a single mother, if you're sitting in jail. '' This is the second time he has threatened to " throw me in jail '' for not paying him the way he would like to be paid. The last time he threatened me with jail, is because I asked for a payment arrangement, due to losing my job and being a single mother. Again, he also stated, if I were sitting in jail, I wouldn't have to worry about using the single mother excuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This item is inaccurately reported on my report for a while now under public record as a satisfied legal. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX County Circuit Court wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX County Circuit Court XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX identification # XXXX court # XXXX reported as Satisfied ( so even if correct, why reported negative )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2016 about Debt collection (I do not know) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS COLLECTION IS BEING REPORTED ON MY XXXX CREDIT FILE THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with Credit Plus Inc (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was   XXXX   XXXX   XXXX   requiring  XXXX  back in  XXXX    XXXX  , and I was brought to the   XXXX   XXXX   XXXX  Hospital   where I received the  XXXX . The de bt attempting to be collected by thi s Collection Agency in Athens was alread paid for immm ediately at the time of the incident through workers compensation at    XXXX   XXXX   XXXX    in   XXXX   XXXX  , Georgia. I do not believe I owe a debt that has been on my account for several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was recently transferred from XXXX to US BANK. I have sent US BANK two payments. The second payment was reversed from my account and sent to XXXX. The Cashiers check specifically stated where that money should be applied and US BANK took it upon themselves to take my XX/XX/XXXX payment and send it to the previous lender without even informing me causing my account to be past due.

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 05-03-2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My  Dr. Office   XXXX   XXXX   XXXX , sent a bill in  XXXX  to my old address. I never received the bill.  Credit Collections USA  then tried collecting this debt from me. I immediately contacted my  Dr. Office and  paid my bill. My  Dr. Office  said they would contact  Credit Collections USA to have them remove the deb t from my credit bureaus.  Credit Collections USA is n ow refusing to remove it because they are saying I did not pay them directly. I have attached proof that   XXXX   as forced them off my credit report but now they are reporting to  XXXX . This debt has a {$0.00} balance and is no longer mine. I have also attached the receipt/letter from my  Dr. Office proving my debt is  paid.

Company response to consumer: Untimely response
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect address is listed. The XXXX XXXX, CA address is not a valid previous address. I 've never even been to California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: WESTLAKE contacted me about a payment arrangement I which they were not I favor of but during my contact, I told them I contacted couple of dealership in favor of a trade in. The very next day they went and put the vihicle as a repossession at the credit bureau. I did not know until one of the dealers showed to me. First, so if you put it up for repossession why am I getting extremely upsetting calls with threatening tactics even after XXXX XXXX. I refuse to talk with them. I have consulted a bankruptcy attorney to proceed with court case. They are listed at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and TH all came at XXXX they need to Tran their people better in the laws of collection. The vihicle has two recalls and a front end issue that I was trying to resolved before my next payment was due, since the cost was {$1500.00} dollars or greater. They need to have a person to speak with for issues like this not some collection person who think they can anything that is very threatening to the consumer. Phone call received from number XXXX XXXX XXXX XXXX XXXX at XXXX central time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach 2017. It was indicated that I was impacted by this breach of Equifax data and my PII was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: i am a   XXXX   XXXX   doing a refinance for a client and she currently has  XXXX  mortgages. i have proof that her  2nd  mortgage that is a line of credit was never paid more than 30 days late,  yet Ditech is w illing to verbally admit they posted incorrecty but will not put this in writing therefore preventing me from closing this loan. I have a recorded line from the   XXXX   XXXX   company that i work with the states no  30-60-90 days late, but the history must match from Ditech . They stated they would fax a letter stating the month in dispute was not late however this letter has not arrived, need help.

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