milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive phone calls from Dynamic recovery solutions LLC daily on both my home phone and my cell phone. When I have answered the phone and interacted with them they have told me they are a debt collection agency attempting to collect a debt. I track my credit report closely and monitor it due to being in the military and having a clearance. Every time I have talked to them they have tried to tell me they are attempting to collect a debt for a credit card that I never had for an exuberant amount. Most recently they told me that I owed XXXX dollars on a XXXX XXXX XXXX credit card that was opened in XX/XX/XXXX. The earliest XXXX XXXX XXXX card I ever opened was in XX/XX/XXXX and I just closed the card last month paid on time and satisfactory. Dynamic Recovery Solutions refuses to remove me from their phone list and when I tell them they are violating Federal Collection laws, they hang up on me. The phone number I have recently been receiving the calls from is a California area code, even though their company address shows in North Carolina. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I sent a certified letter to Allied Collection Services , Inc., ( ACSI ) regarding an alleged debt that I owe. I did not recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. A little over a week later, I received a letter stating they have contacted their client and they have confirmed the name and address listed on the above account. However, the correspondence date is dated XX/XX/XXXX and the date of the letter is XX/XX/XXXX BUT it 's post marked XX/XX/XXXX. How did they validate my name and address prior to me requesting a written validation of the debt??? I still have never received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.

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 03-07-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from IQ Data at work from XXXX. She was very rude and broke every collection practice. I called back to speak to supervisor and the agent transferred me back to XXXX. I will be seeking a lawsuit against the company for collection practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of said debt, other than XXXX, and I would like it removed as it 's reporting to the CB and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received notification of a collection account on my XXXX and XXXX credit report, wiht ARS for {$470.00} to which is Identity Theft and I have reported it to them repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Other

Complaint: I scheduled a payment of {$1000.00} dollars using my XXXX XXXX Account, to Pay my Citi Credit Card. I scheduled the payment on XXXX XXXX, 2016, and my XXXX XXXX Account shows the payment was processed on XXXX XXXX, 2016. My Citi Credit Card has not ever shown the credit to the account. I have filed disputes with both XXXX and Citi. XXXX keeps telling me to provide their Confirmation #, Citi says that number is not correct, and that they need a XXXX digit Tracer number, XXXX says that they do not have a XXXX digit tracer number.

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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my credit report that I do not recognized and/or didn't authorized. Some are multiple in the same month. I have tried to dispute these with Transunion several times but they keep saying that they are mines, but they are not mines.The hard inquiries are below that isn't mines. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX ( XXXX ) 6. XXXX  XXXX XXXX ( XXXX ) 7. XXXX XXXX ( XXXX ) 8. XXXX XXXX - XXXX  ( XXXX ) 9. XXXX XXXX - XXXX ( XXXX ) 10. XXXX XXXX - XXXX ( XXXX ) 11.  XXXX XXXX - XXXX  ( XXXX ) 12. XXXX XXXX - XXXX  ( XXXX ) 13. XXXX XXXX XXXX ( XXXX ) 14. XXXX ( XXXX ) 15. XXXX ( XXXX ) 16. XXXX ( XXXX ) 17. XXXX XXXX ( XXXX ) 18. XXXX XXXX ( XXXX ) 19. XXXX ( XXXX ) 20. XXXX ( XXXX ) 21. XXXX  ( XXXX ) 22. XXXX  ( XXXX ) 23. 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 05-08-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I have been trying to refinance my existing mortgage currently with  Specialized Loan Servicing Company  to another lender when I found out previously in  XXXX  I had  two lat e payments back in  XXXX  and   XXXX   XXXX   XXXX    . I have bank statements showing my payments through ACH during the 4 months before and during these periods that show my account was paid on time. I have since had my credit rerun and found they are now reporting a late payment in   XXXX   XXXX    .  XXXX  my report showed it was current and there were only lates from  XXXX  and  XXXX . Now their records are in correct again. I asked the lender to fix this issue and I have gotten nothing but the run around with only worse results. They sent me a payment history with their records and I find it very peculiar that my payment for   XXXX   posted on  XX/XX/XXXX     one da y later to cause a 30 day late. I feel their accounting of has been incorrect that is favoring them as I can not refinance my loan to another lender. Forcing me to be stuck with them as a loan servicing company. My loan was originally serviced by another company called   XXXX   XXXX   XXXX   Since the transfer over the record keeping has not been accurate. My payments a t one p oint were still going to the old company although the transfer had taken place but I was unaware and uninformed. You can see from my record I have never missed mortgage payments in the past. I feel I am not being treated fairly.

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 12-03-2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Trouble during payment process

Complaint: I purchased a property in 2016 and financed through Flagstar Bank, and during this i did my property tax through an escrow as well. Flagstar Bank did not pay any of the supplemental taxes. I have a delinquent tax bill with XXXX County and I have to pay an amount of {$1400.00} on top of my tax bill to cover the penalties and other charges. I would like Flagstar to pay the penalties since this was never communicated to me and as far as I know- they still have n't made any arrangements to pay this bill.

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 08/14/2017 about Debt collection (I do not know) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: When applying for our mortgage in XXXX 2017 we discovered we had an outstanding medical bill with Grant and Weber, we called and paid it that very day with XXXX XXXX. We then discovered a week later XXXX XXXX applied for a credit inquiry on my credit report for a loan. I called him back and he said it was an error. However still to this day X/XX/2017 it has not been removed and I contacted him again today and he claims to have no knowledge of how to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed the referenced accounts above on XX/XX/2017 and XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the date of XX/XX/XXXX - XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the dates of XX/XX/XXXX-XX/XX/2017. As of XX/XX/2017, Equifax now shows the items have been reinserted on my credit report on credit file confirmation # XXXX Therefore, I need your assistance in having Equifax remove the negative item due to violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax, a company which I 've never willingly shared information, has compromised my SSN and other personal info, and hid this for at least a month. This is unacceptable : I now have to spend the rest of my life worried about my life being ruined because of these bags of filth.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: Citizens Bank is not recognizing a court issued document. 
I was provided with a three page document for " Voluntary Administration '' dated, signed by the Register of Probate and stamped with a seal. 
The bank wrongfully insists that the Court will be sending some document, a call to the Probate Department @ XXXX verified no further issue is coming from the Court. 
I do not think it is my responsibility to wait for the folk to learn what they should know to hold the position they have. 
Just want to close the account. have been there four times already.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (AE).
Issue: Loan servicing, payments, escrow account

Complaint: Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX I lost my job and became worried about being able to make my mortgage payments. I called Wells Fargo Home Mortage to ask at what point payments made after the due date would report to the credit bureau. After a lengthy conversation with WF about my situation/concerns they suggested I take advantage of a WF Forebearance Plan for my future payments until I became employed again/ or was able to make my regular payments. After 2 additional conversations with WF prior to agreeing to this plan, I was assured two senerios would NOT happen. 1. No late payments would report to the bureau and 2. No lump sum of money would ever be due from me ( all late balances would be added to the end of my loan ). In XXXX of XXXX, ( btw while I was recovering from XXXX ) I received a certified letter from WF stating that I was to pay {$13000.00} or my home would be in foreclosure. I was in shock. I reached out to them to try and get this resolved by explaining what happened but I was very sick so I borrowed the money and paid the $ XXXX to their attorneys. I was too sick to take this on. After recovering ( or so I though ) I had another XXXX in XXXX XXXX which again forced me to put this unethical treatment on the back burned until I could fully recover. In XXXX XXXX, I had a copy of my credit bureau reports sent to me. All 3 show late payments of 120 days from Wells Fargo. The $ XXXX was disbursed as monthly payments that were late even though I had paid the agreed amount on time based on their Forebearance plan amount. This negative reporting has been on my credit report since 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 05-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: They had FROZEn my credit report since XXXX XXXX credit monitoring had I had been TURNED DOWN for everything have been sick with XXXX since XXXX my kids and I had been homeless careless poor hungry and in dangerous living situations and XXXX problems because of this inaccurate that they caused me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a Co signer on my daughters loan from Navient. My daughter became XXXX shortly after graduating and I made interest only payments for a few years. I recently retired and the loan amount was raised to {$260.00} a month. Many calls to navient by both my daughter and me with all our financial and each time was given some hope of lowering the payments to make them manageable. Each time they took {$50.00} to put us in forbearable and then let us know they could n't help. So instead I will struggle and at some point not be able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: This is in regards to the company Regional Finance XXXX, and I believe the parent company is Regional Management. Neither me or my information was ever used in this loan being taken out. This goes well beyond a typical identity theft situation were at least information was taken and verified before the loaner would file it against your name. This company used the mere fact that a USPS mailed, to the wrong address by the way, check was cashed with my name on it as justification to the verification of my identity. There was a contract as part of the endorsement that had a line labeled drivers license number, this information was simply filled out with bogus wrong information that was never verified by this company. This company has also played the run around game with me about how to get this resolved as well but this complaint is to the nature that I, as a consumer, was negatively effected by this practice and there was n't even the protection of verifying my identifying information before this was placed against my name. HOW CAN I BE THE VICTIM OF IDENTITY THEFT IF MY IDENTITY WAS NEVER STOLEN! This should be fraud by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with SUNTRUST BANKS, INC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loans went to collections, and I was garnished. I went through a program to get me back onto track, and get my loan into good standing. They said after 6 months of on time payments that they would end the garnishments, and my credit would be clear. I had to file bankruptcy. I called in to make my payment XXXX day, and they told me the program had been closed, and I had completed it in good standing. This was 15 months later. My loan never left garnishment. Now they want me to make a second payment every month after they have already taken the money out of my check. I just went back to college, and when I asked about a deferment during college they just moved my currently owed payments to the end of my loan, and are still billing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing/Cancelling account

Complaint: Capital One Credit Card Company has wrongfully placed " Account in Dispute '' Flags, in XXXX places on my credit report. 
The subject Mastercard Credit Card from Capital One is no longer in use. The card has been destroyed. 
Date of last usage of credit card : XXXX ( more than 8 years ago!!! ) Balance Owing : XXXX Amount Past Due : XXXX Payment Due : XXXX I contacted Capital One Credit Card Company by phone and demanded removal of " Account in Dispute '' Flags. Multiple Capital One representatives told me that they have No financial records under my name and social security number. Despite this, they have not removed the " Account in Dispute '' Flags from my credit report. The subject wrongful " Account in Dispute '' Flags from Capital One are preventing my application for home mortgage refinancing from being approved. I demand immediate removal by Capital One of the wrongful " Account in Dispute '' Flags from my credit report. I further demand that Capital One be assessed a {$500.00} punitive fine for their wrongful actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Bank account or service (Other bank product/service) with FIRSTBANK (AZ).
Issue: Making/receiving payments, sending money

Complaint: First Bank refused to give back or honor my Promissory Note created in accordance with XXXX, Federal Reserve Act section 13, 31 U.S.Code 5103, 18 U.S.XXXX 8. This dishonor is covered by XXXX XXXX. The Note was supposed to go to XXXX XXXX it was dropped there by mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/22/2017 about Debt collection (Medical debt) with Advanced Collection Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX, Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX, XXXX of phone XXXX XXXX XXXX reached out to me saying I owed a {$270.00} debt to XXXX XXXX. I told them I had already been contacted by XXXX XXXX. I explain then and now that there was no deductible for that procedure, and that both the hospital and the insurance company verified this before the procedure as this was a requirement by me before agreeing to the procedure. This is a data entry error on XXXX XXXX part. After I explained this, they stood down from the collection realizing it was an error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to caregiver responsibilities for a XXXX mother with XXXX I am often away from my home for extended periods ( months even ). My mortgage lender has pad-locked my home twice in the last eight months claiming that the home had been 'abandoned. ' In the process the lender also replaced the lock which has breached the integrity of the exterior door and caused splintering of the wood ( I have pictures ). Further it was noted that the property was at risk and required 'winterizing, ' all the while I was paying my utilities ( heating, electric and water ) which were fully functional. A storm winter was broken and never repaired thereby allowing further break-in and vandalism since after breaking the storm window, the interior window was never secured. Additionally, I originally had my neighbor cut the grass and shovel snow as needed which is documented in a letter from my neighbor who did n't understand why someone else was mowing the lawn. 
Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.

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