milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This letter is being sent to you in response to a listing on my credit report from CREDITCHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDITCHECK TOTAL. 
For the purposes of XXXX XXXX XXXX XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

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 08-11-2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Recently reviewed credit report stating that I owe a debt with Cash Central that being collected by XXXX XXXX XXXX. I have never been associated with the address they have listed/linked to report. I have never received notices about 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 01/13/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing this complaint because midland funding has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (CA).
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: Navy Federal Credit Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in  XXXX  o f 2008.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX loans with Bank of America. They were originally VA loans via Countrywide. BOA handles the servicing of the loans. Shortly after taking over the loan from CW, BOA began adding escrow reserve to my escrow account. My loan does not require me to use escrow servicing, it 's voluntary. Upon adding escrow reserve, BOA raised my minimum pmt. While paying the correct amount, BOA began to claim my payment was short of full. This lead to payments being considered late, late fees, etc. 

Additionally, BOA 's escrow servicing has repeatedly paid insurance to XXXX incorrectly. Payment from XXXX property made to a wrong XXXX. This lead to overpayment to XXXX and a refund to me ; meanwhile leaving the unpaid insurance account short ( as it was never properly paid ). This lead to a repeat of all said above in late fees, etc. 

Most recently, they began foreclosure proceedings on one of my rental properties. This despite having record of sufficient payment made each and every month. The first trustee called off the sale and sent the file back to BOA after I provided them my records. Now a new trustee has been appointed and they 've postponed the sale to review my information. I 'm quite tired of this continual process. 

I have a file XXXX '' thick of letters sent to BOA with minimal response and never any serious attempt at resolution. In my paperwork sent to BOA is included a spread sheet displaying all loans, payments for each year with taxes and insurance and my payments. It quite clearly shows that I 've paid more than was required. Despite this, they have each loan in error and it 's a complete mess. 

This is not the first occasion. In 2009, BOA admitted wrongdoing of all the above and corrected my accounting and all was set current. However, shortly thereafter the whole process began again. 

I 'm not sure if it is a predatory business practice or not, but I 'm sure I 'm not the only one experiencing this. My credit has been ruined and I 've been unable to close on transactions and lost hundreds of thousands of dollars. 

I 've pleaded with BOA to have someone at high level work through the file and find resolution. No success.

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 08-09-2017 about Debt collection (I do not know) with I.C. System, Inc. (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX - A new entry appeared on my XXXX credit report for : I C System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Amount {$250.00} I do not owe any debts that I 'm aware of, nothing past due. When contacting the company, they refuse to share any information about this unless I provide my sensitive personal information ( full name, address, DOB, SSN ). I 'm not comfortable providing this information to some unknown company that just dinged my credit report. I have not received any prior mail, email, or phone call regarding this alleged debt. Do I have any recourse other than paying an attorney to dig into this?

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 02-01-2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Struggling to pay mortgage

Complaint: The home at XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX was purchased with a loan though XXXX XXXX, ( no Doc. / Adjustable ), with the payments made to XXXX XXXX   XXXX. There was never a late payment for over 7 years. My family developed financial issues due to medical difficulties and I ended up defaulting. I advised XXXX representatives that I was interested in finding a solution. For many months I worked with their representatives providing many, many documents, bank records, Veterans info etc. Finally, following months of discussions I was told that the foreclosure was cancelled and that I would receive a new loan opportunity. That was on a Monday. the Tuesday, following that Monday 's discussion, I answered the doorbell to be met by a sheriff telling me that there had been a Trustee 's Sale that morning and that I had 48hrs. to  vacate. I contacted XXXX   and they stated that there had been a mistake and that they would get back to me. four days later I called the XXXX representative I had been speaking to and she advised me that there was nothing that could be done. I subsequently moved. The loss of the home caused a fracture of my marriage and a significant loss of potential equity.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX 2017 I received a letter from Hunter Warfield claiming I owed over {$3500.00} for an apartment complex. I called Hunter and requested a debt validation as I had not heard from the complex in question. Hunter Warfield claimed they had not received any statements from the apartment but would get one and mail it to me. I did n't hear from them again until XXXX 2017 when I received a notification via XXXX XXXX that my score had dropped due to a collection. Of course, Hunter Warfield had added themselves to my credit report as a new collection. I immediately called them again and was told that there was nothing they could do. They looked in their notes and saw that I did request to have the debt validation sent and they just had n't done it. The only way to remove it from my credit was to pay the full amount due and they would report it as paid. I tried for a supervisor and manager who all said the same thing and that it was too late now as it was reporting to my credit. I needed to " get over that fact and just pay them what is due or they 'll make my credit even worse. '' I asked what that meant and they said they had ways of making people pay whatever they wanted. I hung up and tried to get someone else and once my file was accessed, I was put on hold for 34 minutes and then hung up on. My old complex is not sure what is going on but says they are out of it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have filed a complaint against this company XXXX already for not receiving proper notice and now this medical debt is on my collection report. I faxed a direct dispute on XXXX XXXX, 2015 that was never responded to. I spoke to a XXXX on XXXX XXXX, 2015 who stated the letter was never sent to the dispute department, it was just " sitting ''. So after many calls and filing complaints this company has attached a letter stating it was mailed on XXXX XXXX, 2015 in response to the direct dispute. 

PLEASE PULL PHONE RECORDINGS FROM XXXX XXXX, XXXX XXXX AND XXXX XXXX when I was informed the dispute was never sent to the dispute department. 

Please read the attachment as it stated alleged dates of when notices were sent. More importantly, please read where it states " enclosed is a copy of the XXXX claims summary ''. The letter was DATED FOR XXXX XXXX, 2015 however, the XXXX summary is dated for XXXX XXXX, 2015 with the employers ID. 

Therefore, if the letter is dated for XXXX XXXX, 2015 AND in the letter it states ENCLOSED IS A COPY OF XXXX CLAIMS SUMMARY .... that claims summary should be dated for XXXX XXXX, 2015 as well. 

As stated in the lawsuit filed by CFPB, this company failed once again to respond to a direct dispute in a timely manner. The phone recordings prove the dispute was never sent to the correct department. Not only did they fail to respond but falsified the information in response to my dispute. This should be a serious violation and I will purse a lawsuit based off the FDCPA if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Accredited Collection Service, Inc. (NE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: In a previous complaint filed with this same company I mailed certified mail and faxed them a written request to NOT call my employer. XXXX called my employer after this company received notice to not call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with Barclays. I discovered the theft in XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (   XXXX   ). I immediately contacted   XXXX   XXXX   XXXX   and Barclay and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the Barclays credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called Barclays to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the   XXXX   card. The thief transfer funds from Barclays twice. When I spoke to Barclays, they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX    com pleted their investigation and found the account was a case of Identity theft and released me of the debt. However, Barclay declined my case and continued to harass me and my family. I submitted another letter to Barclay along with a copy of the release letter from   XXXX   XXXX   XXXX  . Barclay did not response to my letter, but s ubmitted my case/debt to   XXXX   XXXX   XXXX   XXXX   ( a debt collector ). Now I am getting harassed by  XXXX . I have dis cussed the issues with Bayclays multiple times over the phone, submitted multiple reports, and bank documents. Barclays continues to seek funds for an account I did not open.

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 05/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a copy of my TransUnion Credit Report File # XXXX, XXXX issued XXXX/XXXX/2016 and am disputing some items that need to be corrected. I have numbered these disputed items. The reasons why some of these items are inaccurate, outdated information and should be corrected are indicated below. I am requesting the name to be corrected and records removed or deleted : The name XXXX XXXX is spelled incorrectly on the form 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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
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: Since XXXX XXXX, 2017 I have asked Santander Consumer USA and the credit bureaus that they formally substantiate all account history data Santander Consumer Usa transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Santander Consumer USA and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Merchants and Medical Credit Corporation, Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt was disputed online, Merchants & Medical sent me an inproper validation of debt with no signature or original contract from the XXXX XXXX XXXX which is the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: From Capital One credit card, I received XXXX XXXX statement with due date of XXXX XXXX, XXXX, with total amount {$1200.00}. 

I made {$1000.00} payment on XXXX XXXX, XXXX. I made a {$500.00} payment on XXXX XXXX, XXXX, the due date. 

I was charged {$13.00} internet on next billing cycle. I called three times and no resolution yet. There are two problems in there system that needs to be audited. 

1. Time of due date - I got a response that my remaining payment of {$220.00} was made after XXXX XXXX cut off time that made that payment reflect on next day, which is considered late payment. The cut off time is arbitrary, it should be midnight customers time. 

2. Even if {$220.00} was paid late, the interest on this at 23 % APR for a month should be not more than {$5.00}. Their interest calculation mechanism has error that calculated it to be {$13.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. XXXX is the only company that continues to deny my request. They continue to report a chase card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the 3rd generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with XXXX. please help me with this because it has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: did not remove these fraudulent inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX XXXX Inquiry from JXX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/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