milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with Jonathan C. Frank & Associates, LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I am aware of repeated phone calls from " XXXX XXXX '' leaving messages on the phone of the victim and the victim 's family members ' phones, starting on Friday, XXXX XXXX, XXXX. After research, the phone numbers coincide with the ( XXXX ) area code, but the fax number is a ( XXXX XXXX XXXX, GA area code. In addition, when the victim ( who is permanently and totally XXXX ) returned the call over the weekend, the victim 's call went to voicemail. The outgoing voicemail message ( sounding much like " XXXX '', sans the Southern drawl ) stated this " law firm 's '' operating hours in XXXX XXXX XXXX, not Central Standard Time such as is the time zone in XXXX, TX. In addition, when the victim received a call from " XXXX '' at XXXX am on Monday, XXXX XXXX, XXXX XXXX outside of " business hours '' and outside of any legal debt collection laws which require specificity in the hours in which the victim can be contacted. And, when the victim did speak to " XXXX XXXX '' and " XXXX, the file clerk '', the victim was repeatedly castigated, was threatened to reveal the individual 's social security number and other identifying information. There was no lawful debt collection practice during the verbal preamble from " XXXX '' or " XXXX '' stating ( by law ), " This is an attempt to collect a debt ... '' In fact, " XXXX '' and " XXXX '' made disparaging remarks about the victims voice to verbally insinuate aspersions about the victims sexuality. In addition, the XXXX BBB address information about this " business '' and the address on the website do not coincide, but the individuals who answer the aforementioned phone numbers are the same. THIS IS NOT A LAW FIRM. THIS IS A SCAM. THE WEBSITE IS A SCAM. THE CALLS ARE A SCAM. I DEMAND PROSECUTION TO THE FULLEST EXTENT OF THE LAW, AS AFTER THE INVESTIGATION IS CONDUCTED, I REQUEST THIS SCAM REPORT BE FORWARDED TO THE FEDERAL TRADE COMMISSION.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The student loan company, Navient, capitalized interest on my account after graduation and the XXXX month grace period. Also, Navient failed to properly acknowledge and timely process by annual renewal for the XXXX plan. I sent several emails and called numerous times that all are documented for this to process. Nonetheless, Navient capitalized my interest again because they finally realized it was their mistake and processing. They did reverse the capitalization. In addition, my payments are not going towards principle but towards unpaid interest. I should be allowed to allocate my auto payments towards all principle first. By not allowing this, Navient and the governement are receiving more compensation for the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My credit report shows XXXX XXXX XXXX I had credit cards opened under my name without any authorization. They keep reporting to XXXX and XXXX I need this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with ERC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the 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 12/26/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Taking out the loan or lease

Complaint: XX/XX/2016 XXXX XXXX GM FINANCIAL XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim MY ACCOUNT WAS CHARGED OFF {$18000.00}. 
By not replying in a timely manner to my initial letter on XX/XX/2016, you have not only violated federal law, 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. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking up to {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
Please Note : This notice is a XXXX attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter sent to Gm financial in XXXX, Tx. the did not only respond or provide requested documents as requested in the letter above.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Around XX/XX/XXXX i checked my credit report and all my inquires was deleted when i check my report today they all back and my score went down.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX experian, XXXX breach have ruined me please have them remove the inaccurate accounts

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Tried to get my free report from all three companies. XXXX XXXX XXXX were no problem. TransUnion would not let me see my report because the incorrect information in their file results in my answers to their " identity verification '' questions disagreeing with their erroneous data. A phone call basically resulted in a sales pitch for multiple services, none of which I need or want. I want to correct the info but they wo n't let me see my report! Examples : 1 ) What model year is your XXXX? I do n't even OWN a XXXX! 
2 ) What county have you lived in? My answer was " none of the above '' because none of the counties applied to me! 
There were a few others, the reult of which was I failed to prove who I was. I want to correct the data but I need to SEE it and they refused. This is unacceptable! 
Thank you for listening!

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 09-04-2017 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX Debt Validation Form Questionnaire to be returned : Account # : ____________________ Original Creditor 's Name : _________________________________ Name of Debtor : ______________________________________ Address of Debtor : ___________________________________ Balance of Account : __________________________________ Date you acquired this debt : _________________________ This Debt was : assigned ___purchased___ Please indicated any credit bureaus to which you have reported on this account : XXXX ______ XXXX ______ XXXX _____

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A " paid '' Judgement was placed on my Equifax credit report which never should have been there. I began disputing this item XX/XX/2017 with the Circuit Court and then on XX/XX/2017 with Equifax . Equifax disregarded my letter ( s ) and updated my credit report to show a " Balance " of {$930.00}. I did have an account with XXXX XXXX but that account was paid in full and it was never taken to court. I want this inaccurate information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with Square One Financial, LLC (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I contacted XXXX  XXXX   looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Closing on a mortgage

Complaint: The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after twelve of  my mortgage paid off with XXXX XXXX XXXX in XX/XX/XXXX illegally harassing me and filing illegal foreclosure action in XX/XX/XXXX with no proof of transferred of mortgage and illegal securitization without any proof under Federal Truth In lending disclosure act. In addition, Nation Star Mortgage also engaged in frivolous and debt collection as a separate company with no relationship or business dealing in any shape or form. XXXX XXXX XXXX cancelled and discontinue foreclosure action in XX/XX/XXXX for lack of proof of valid debt as a matter of law. In XX/XX/XXXX, XXXX XXXX XXXX XXXX has my property listed as cash management. I do not owed any mortgage. How can you have a mortgage of $ XXXX, $ XXXX, and $ XXXX. The debt debt instrument was refinanced in XX/XX/XXXX and paid off at closing. I am target of manipulation and illegal debt or security instrument. Instrument was disposed in XX/XX/XXXX. Been harassed 12 years latter. The subject property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. 

XXXX XXXX XXXX XXXX located at share, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX, NY XXXX represent XXXX XXXX XXXX XXXX.  Telephone ( XXXX ) XXXX. 

Nation Star Mortgage is located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Telephone ( XXXX ) XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX XXXX XXXX, Attn : XXXX XXXX located at XXXX XXXX. XXXX XXXX, XXXX, TX XXXX with telephone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The creditor is Discover Private Student Loans. I was a co-signer for my son. The money was not used for tuition and education expenses, but for his housing and living expenses while in school. The loan does not qualify for protection because it does not meet the criteria under 523 ( a ) ( 8 ) of the Bankruptcy Code. The creditor was notified by the BK court, did not respond, and the debt was fully discharged in XXXX, XXXX. Now in XXXX, XXXX, I have started receiving collection calls ( XXXX ) trying to collect the debt. When I give them the BK info ( Case Number, Court where filed, Judge 's Name, and Date of Discharge ), they argue that they do not have to honor it because Student loans are not dischargeable. I 'm XXXX years old. My son did not discharge his debt to them and is still on the hook for it. He is currently out of work and struggling to get by. XXXX clearly shows the name and address of this creditor. There should be protection for us and a way to stop this from happening. Bankruptcy is stressful enough without having to relive it daily with collection calls for discharged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Customer service / Customer relations

Complaint: My XXXX account was hacked on XXXX/XXXX/2017, and a gold coin was purchased for {$680.00}. As soon as I noticed this activity on my account, I contacted the merchant the same day notifying them of a fraudulent purchase and asking them not to ship which they complied with. I also contacted my credit card company the same day who started an investigation, credited my account for {$680.00} and sent me a new card. A week later the merchant issued a refund in that amount. The bank then debited my account in that amount, to even out the balance. However two weeks later the bank debited my account again in that amount. I called to complain, and was given credit, which evened the balance. Then two weeks later the bank debited my account for a third time again. My account was credited 2 times but debited 3 times.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Credit Inquiry : XX/XX/2017 Chase Card XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has put an erroneous entry on my report from XXXX apartments and Fair Collections and Outsourcing. The only verification anyone has received about this entry, is verification of my name and that I lived there, which was never the dispute. I do not owe this charge. This company failed to provide me with the photographs they claimed to have showing the things I was being charged for nor did they provide me the receipts proving they paid out for these charges. No business would pay this kind of charge without confirming the alleged damage and proof of the repairs.

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 02-02-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My home is in foreclosure. Im trying to do a short sale and Wells Fargo is a second lien holder of which the debt was discharged in XX/XX/XXXX, I received a XXXX C - Cancellation of Debt and filed it with my taxes. They still have the lien on the property and have marked it as of XXXX XXXX. XXXX in a permanent uncollectable status. I now have a Contract of Sale am trying to do a short sale and Wells Fargo is refusing to allow any payment ( which none is available anyway its a short sale ) and refusing to release the lien even though it has been charged off. They are making me loose the Buyer for my home for no reason whatsoever. This was a discharged debt by the Bankruptcy Court in XX/XX/XXXX which should have been discharged and never was and as stated above, has been marked uncollectable. They have NO REASON not to release it.

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 08/18/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Application, originator, mortgage broker

Complaint: I applied for refinance payed {$660.00} to my existing mortgage bank Wellsfargo Process was canceled with out any notification Sent many emails asking for the status of the refinance and got no answer Asked supervisor to look into the problem and did not resolve my issues Can I file small claim in my state of Wisconsin to try to get my money back?

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: in XX/XX/XXXX i obtained a loan from XXXX XXXX XXXX. in XX/XX/XXXX i was informed online payday loans were illegal in the state of NJ. I called NJ dept of banking and insurance for assistance with this issue. they responded to XXXX XXXX on XX/XX/XXXX and forgave the loan ( see attatched ). Since they forgave the loan they have reported this as a negative on my credit report. the letter states they forgave the loan and closed the file. I want this negative item removed from my transunion report because the information is inaquate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I AM BEING CHARGED FOR MEDICAL EXPENSES THAT WAS COVERED THROUGH  XXXX . I HAVE CALLED AND TRIED TO RESOLVE THIS MATTER WITH THE COLLECTION AGENGY AND THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION TO THE CREDIT BUREAUS. COLLECTION BUR  FT WALTON CL AIMS THAT I OWE {$710.00} AND ALL OF MY MEDICAL EXPENSES WERE BEING COVERED BY  XXXX . MY  XXXX  COVERAGE PERIOD WAS   XX/XX/XXXX  THRU- XX/XX/XXXX .

Company response to consumer: Closed with explanation