milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Debt collection (Credit card) with Miller, Stark, Klein and Associates (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Miller Stark Klein and Associates is claiming I have past due credit card debt with XXXX, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XXXX and XXXX of this year claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX from Miller Stark Klein and Associates on XXXX, XXXX of this year. He stated they were trying to contact me about an alleged past due credit card debt with XXXX. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off in 2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent multiple certified letters to the collection agency in attempts to provide validation as to who this collection is for, but they continue to provide me with a letter stating that the debt is valid, but nothing bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX before it was Navient and I was placed on a long deferment due to a XXXX  XXXX marriage I was living in. I had to stop school in XX/XX/2011 out of fear of my husband locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing is reporting this account on my credit report for a collection with XXXX in the amount of {$140.00}. This account was previously owned by XXXX and I got it deleted from my credit report as it was a bogus account they could not properly validate or verify. Now I checked my credit report and saw the Convergent Outsourcing reported this account too. How can they do that without notifying me first?

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Earlier this year ( XX/XX/XXXX ), I checked my credit and noticed that there was medical bills on my report from XXXX in XXXX XXXX. I have since moved out of that state to XXXX. The medical bills that were reported to my credit report should have been taken care of by XXXX XXXX XXXX. I checked with them and they said they paid what was given to them but the doctors billed me separately. I had no idea they could do that so I was never aware that these bills had been generated. I have called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) numerous times with no help whatsoever. I have asked them for more information such as what the bills were exactly for and how the doctors can bill me separately. They offered no information and all they kept repeating was that I had to call the collection agency. I called the collection agency which told me all they can do is take payment on the debt, nothing more nothing less. I returned calling XXXX XXXX XXXX XXXX XXXX XXXX and they still would n't give me anymore information about the debt. All they do is keep giving me the collection agency 's number and then will hang up on me. I have repeatedly asked to speak to a manager or supervisor at which point they say no one is available, put me on hold forever or hang up on me. This has happened numerous times and when I leave a message no one returns my call. I have never spoken to a supervisor and completely get stonewalled by anyone at XXXX XXXX XXXX. This has been going on for quite some time. Last week, XXXX XXXX was the last few times I tried getting information from them again. Any answers I have are not from them but from XXXX XXXX XXXX ( XXXX  ) which was kind enough to look up my account and provide what little information is available to them. XXXX has let me know that they also made payments on the disputed XXXX ER visit and have no idea how they were able to bill me separately. There are 8 different bills that XXXX XXXX XXXX has sent to collections regarding this XXXX/XXXX/XXXX XXXX ER visit. 1 ) {$830.00} 2 ) {$300.00} 3 ) {$300.00} 4 ) {$180.00} 5 ) {$180.00} 6 ) {$160.00} 7 ) {$160.00} 8 ) {$100.00} which totals {$2200.00}. I have no idea why some amounts are doubled and two are not. This is severely hurting my credit and I have no idea how to get this resolved since the XXXX XXXX XXXX keeps stonewalling me in the process. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Got a demand notice from Midland Credit Management. They have sent a notice that we owe {$170.00} from XXXX XXXX XXXX XXXX. This is not any kind of dept that we owe nor have we ever done any kind of business with XXXX XXXX XXXX XXXX. Looking online it is well known that MCM does this kind of scam. Federal government should take action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: .XX/XX/2017 send written request for this company to provide physical validated to all three credit bureaus. This company has never sent this proof.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 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: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX and XX/XX/XXXX my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of BusinessXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is Experians responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.

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 07/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To whom it may concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$570.00} and last delinquency reported  XX/XX/XXXX , yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX  and the other on  XX/XX/XXXX . By not replying in a timely manner to my initial letter you signed for on  XX/XX/XXXX , you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I made 3 trial modification payments to XXXX. I made a 4th payment XX/XX/2016. XXXX sold the loan to BSI. I was told that BSI would honor the terms of the modification. BSI stated that they were waiting to find out who was going to pay the taxes for the home, BSI or XXXX and then we would receive the permanent modification papers in the mail. On XX/XX/2016 the representative said I would hear back from him by the end of the week about the permanent modification being mailed out and the {$30000.00} which is in escrow. The escrow account is 3 times the amount that is needed for escrow. On XX/XX/2016 I called the company to speak with the representative and he is not available. It has been over 60 days since BSI received all the paperwork from XXXX. I still have not received the permanent modification from BSI.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, 2017 I sent in the final payment for my car but, my credit scores when down why is that? I feel like I 'm being targeted

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 07/31/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: on XX/XX/2016 FHA borrows XXXX XXXX XXXX and XXXX XXXX XXXX closed FHA loan to buy property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX. 
XXXX, represented buyer in purchasing the residentail property, recieved {$6600.00} commission check on closing. 
on XX/XX/2016 XXXX and XXXX, XXXX XXXX entered into settlement agreement with settlement payment that XXXX XXXX shall pay to the XXXX the amount of {$3300.00} ''Settlement Payment. In consideration of the mutual covenants, promises and releases in this Agreement, upon receipt by XXXX of copy of this Agreement signed by XXXX, XXXX shall pay the the amount of {$3300.00}. '' " Release by XXXX In consideration of the terms, conditions and mutual releases contained in this agreement and the settlement payments, the XXXX, fully release and forever discharge XXXX, againt any and all liabilities, claims, administrative complaints, cause of action and suits that XXXX have or may have againt XXXX '' Such settlement is FRAUD AND PROHIBITED BY RESPA AND SUBJECT TO CRIMINAL PENALTIES. 
RESPA prohibits a person from giving or accepting any part of charge for services that are not performed. Section 8 of RESPA PROHIBITS anyone from giving or accepting a fee, kickbacks in involving a federally related mortgage loan. Kick-backs, unearned fee are subject to criminal and civil penalties. 

THE FACTS : During transaction to purchase property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, No complaint/claims been filed in Georgia Real Estate Commission by XXXX. 
No complaints/claims been filed in XXXX XXXX by XXXX. 
No complaints/claims been filed in XXXX by XXXX. 
No investigation have been conducted in regards of claims, demands, administrative complaints, suits during real estate transaction. No parties been involved. No one been aware of claims/complants/law suits brought up by FHA borrow XXXX. 
Lender wells-fargo Lender have NOT been aware of settlement payments to FHA borrow XXXX. Wells Fargo lender was originating the loan : XXXX XXXX and XXXX XXXX Closing attorney XXXX and XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 
Listing brokerage XXXX XXXX XXXX XXXX, agent XXXX XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 

''settlement agreement and release of claims '' signed by XXXX XXXX and XXXX XXXX XXXX FRAUD. Violate Federal and State law, such as RESPA section 8 kickbacks, fee-splitting, unearned fees. 
Threfore, XXXX XXXX broker at XXXX and XXXX are subject to criminal penalties of {$10000.00} and XXXX up to one year. 

FHA borrows XXXX XXXX and XXXX XXXX and broker XXXX XXXX shall be XXXX for up to 1 year and pay fee of {$10000.00} each.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Several weeks ago, I attempted, for the first time, to sign up for an account with Credit Karma. 

During that process, the website indicated that an account had already been established in my name. 

I have never before opened, nor attempted to establish any Credit Karma account, nor has anyone ever been authorized to do so on my behalf. 

The Person or persons responsible for establishing and accessing this account have done so fraudulently and have done so using my personal identifying information. 

My attempts to reach the executive offices of Credit Karma have been unsuccessful since the company has NO contact information including valid address, working phone numbers nor email or fax numbers for its executive offices. 

While it is deeply disturbing to learn that confidential information has been fraudulently accessed and may have been disseminated, my concern is further magnified given the absence of clarity as to how long this account has existed or what actions third parties may have taken using this information in violation of applicable law. 

Upon discovery I filed a report with the XXXX Police Department indicating that my identity has been compromised. The Case Number is XXXX. 

I believe that the same parties have been illegally obtaining access to other accounts using my personal identifying information. 

I would like to determine all the salient facts so that I can protect my rights and take appropriate action. 

I would hope and expect that Credit Karma will seek to have the responsible held accountable under all applicable civil and criminal laws. Credit Karma needs to also establish a commercially reasonable way that their offices can be contacted in similar circumstances and to establish procedures to prevent this from recurring.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: The short sale has been under review for 115 days. The investor first denied the buyer closing costs despite being a VA financing purchased. Lastly, we were counter to increase the price to {$240000.00}. the current offer amount is {$230000.00}. On  XX/XX/XXXX , copious amounts of supporting documentation to back up our offer amount were submitted in the form of a value dispute as a response to the counter. It has been over a month and there have been no updates regarding a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THEY ARE CALLING ME EVERY DAY WITH DIFFERENT ROBO CALL # 'S SAYING SHE IS XXXX. THEN SAYING THAT WE NED TO SPEAK WITH YOU IN REGARDS TO YOU WHEREABOUTS. IF WE CAN NOT VERIFY THIS INFORMATION THROUGH YOU THE LAW ALLOWS US TO CONTACT ALL REFERENCES ON FILE. CALL THIS # XXXX CALLED ON XXXX/17 WITH THIS # XXXX, SAME INFO SAME NAME LEFT XXXX, THEY HAVE ALSO CONTACTED MY EX HUSBAND AND LEFT THE SAME MESSAGES. 

I NEED TO KNOW WHAT I CAN DO TO HAVE THE STOP CALLING THEY ARE A SCAM. I GET A FEW OTHERS LIKE THIS TOO, WHICH I AM GOING TO GO BACK A FILE LIKE THIS ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation