milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with Lyons, Doughty & Veldhuis, P.C. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Re LDV File No. XXXX The above referenced firm Lyons , Doughty & Veldhuis falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, 2014. Payments have been made faithfully since that date on a monthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached )  indicating that a Notice for Execution Against Wages, which could have possibly resulted in the termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately feel XXXX XXXX. I was able to gather myself to call LDV and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Medical) with First Investors Financial Services Group, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting at least 5 calls a day from this company and they are leaving more than one message a day.

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 04/21/2015 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXXXX/XX/2015 ( XXXX/XXXX/XX/XX/2015 business day ) I went into a People 's United Bank branch to close out my mother 's estate account. I was clear that the account was being closed and purchased several bank checks, leaving the balance at {$0.00}. 
Over the past month I started getting collection notices from People 's United stating that the account was overdrawn by {$9.00}. When I checked the account activity online I found that the bank had not closed the account as I instructed, although it was brought to a {$0.00} balance. On XXXX/XXXX/XX/XX/2015, a month after I closed the account in person at a branch, People 's United charged a {$10.00} maintenance fee and credited {$0.00} in interest to the account, leaving the balance overdrawn by {$9.00}. 
I contacted People 's United on XXXX/XXXX/XX/XX/2015, and after an extended time on hold finally reached an agent. She told me that there was nothing she could do and that I would have to go to a branch to resolve the situation. I told her that I was not able to do this, and she again stated she could n't resolve the error over the phone. At that point I informed her that I was going to complain to the CFPB about their practices, and she indicated " OK ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm receiving calls from Navient/XXXX regarding someone else 's student loan. The phone numbers that contact me are XXXX & XXXX they are asking to speak with a XXXX XXXX , who I do not know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: over the life of the private loan for my classes at   XXXX   XXXX  , there have been many instances when due to job loss. I was always steered toward non-income driven options. so since  XXXX , my {$5000.00} loan is now at {$5100.00}, even though I have made years of payments. they even raised the interest rate from 11 % to 12 % ... I am not even sure when they did that. today, ( XX/XX/XXXX ) I logined into my accound and noticed the higher interest rate. now its only 1 % but do n't they need to notify me of this?

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account, in collections, that was paid in full, but it is still showing as open on my Equifax report. I contacted the collection agency to verify and they told me it was a reporting matter on Equifax. I contacted Equifax to resolve the matter but I have not heard back from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, Ocwen Loan Servicing received a payment from XXXX XXXX XXXX XXXX ( of XXXX XXXX, MI ) of {$80.00}, XXXX, paying off my outstanding mortgage balance with them. I have an escrow account with Ocwen with a balance of {$980.00}. On XX/XX/XXXX, I contacted Ocwen about the distribution of my escrow account and inquired when I would received the funds. I was told by a customer service representative that I would have the funds within 18 calendar days, which would be on or about XX/XX/XXXX. After not receiving the funds, I contacted Ocwen on XX/XX/XXXX and asked for the whereabouts of my escrow refund. I was told that the " check was mailed on XX/XX/XXXX ''. As I explained that First Class Mail from Florida to Michigan does not take one week, I was then told to contact my local US Post Office, as there must be an issue with them. I was also told to " give it some more time '' and to not contact Ocwen until after XX/XX/XXXX. I did not wait and contacted them again on XX/XX/XXXX. I explained my previous calls to Ocwen and again was told that the check was mailed on XX/XX/XXXX and to " be patient ''. I was for the check to be cancelled and to overnight the payment to me. I was told that was not possible and that if I asked for the check to be cancelled, it may delay my refund by another month. 

It is my understanding that Ocwen has 30 days under Federal law to return my escrow funds to me. I has now been 31 days and I am still getting the runaround from Ocwen. I would like the CFPB to contact Ocwen on my behalf and request the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: I had applied for a refi with XXXX XXXX through loan officer XXXX XXXX. He kept encouraging me not to pay my mortgage on time because we might close on the refi. This went on for 4 or 5 months and then I was told I was denied in a voice mail. He said I would receive a denial letter explaining everything. I have never received it. I notified him and I notified his supervisors on more than one occasion and I still have not received the denial letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: A leased car was returned to Ally Financial with all leased payments made. Ally inspected the car and stated that the " Key Fob '' did not work and have now billed me {$130.00} for a new fob. My concerns are : I returned the car to the dealer and the dealer made the remaining payments, car returned on XXXX/XXXX/XXXX, inspection of car made XXXX/XXXX/XXXX, all fobs worked on XXXX/XXXX/XXXX ( last time I saw the car ), I was never present at the XXXX/XXXX/XXXX inspection, do n't know if it needed a battery, or if it was the correct fob. Inspection report attached. 
Called Ally on XXXX/XXXX/XXXX and was told that I would be contacted in a few days, no contact was received, only the second letter which is attached. Ally assigned incident number XXXX to my call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was XXXX XXXX in XXXX on my way to XXXX, .ca to start a new job with the XXXX XXXX XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/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 10-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed information on an auto loan that was inaccurate from XXXX XXXX and Equifax told me the creditor updated the information and it is still the same on the report. I told them to send me proof that they verified the information was correct because the date was not updated and i didnt get a response from them at all. Also there are inquires from XXXX XXXX to XXXX XXXX that i did not authorize and new addresses kept popping up on my report that i was not associated with. They removed the addresses but not the inquiries. Also the collection item XXXX is listed in the account area like its still open and the collection agency has the account. Both were disputed because of the duplicate information listed. The other collection agencies would not send me the information i requested and told me to dispute it with equifax and they would remove them and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello All, Experian Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Submitted additional payment requested to paid toward principle. End of the year checks returned for overage even after talking to mortgage department still they refused to apply extra payments toward principle.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had poor security practices and allowed an unknown amount of information about me to be stolen sometime in XX/XX/XXXX-XX/XX/XXXX. This breach affected 143 million people, and was discovered by Equifax at the end of XX/XX/XXXX. However, they neglected to notify the public until early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dear Sir or Madam : I am a XXXX and XXXX of my older Parents ( ages XXXX and XXXX ) who reside with me. I am writing this letter because I am a victim of a fraudulent scheme by Midland Funding LLC, concerning my old closed XXXX Bank XXXX credit card account for which the sum of {$330.00} was Charge Off on XXXX XXXX, XXXX, ( see enclosed copy of printout bearing the stamp from XXXX XXXX XXXX, Exhibit XXXX ). 

On XXXX XXXX, XXXX, Midland Funding LLC., filed a complaint against me in XXXX Civil Court claiming it had purchased my Credit Card account from XXXX XXXX XXXX ( Wrong Bank! ), and demanding {$960.00} ( Wrong Amount! ), with identical Affidavits of its employees XXXX XXXX and XXXX XXXX claiming that my account had been Charged Off on XXXX XXXX, XXXX ( Wrong Day, Month, and Year! ). ( See copies of Claimant and Affidavits as Exhibit XXXX ). However, I never received a response to my request for verification of the debt and documentation concerning the amount and ownership of the debt ( See copies of letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, as Exhibit XXXX ). 

Last Year Midland Funding LLC was able to obtain a Default Judgment against me, ( because I did not receive the notice from court on time ) and served an Income Execution dated XXXX/XXXX/XXXX, to XXXX XXXX XXXX, where I work part time ( as Independent Contractor ) demanding the sum of {$1300.00} ( see copy as Exhibit XXXX ) which is {$970.00} more than what I owed XXXX XXXX XXXX, ( Not XXXX XXXX XXXX, as claimed by Midland Funding LLC ). 

Last Year, Midland Funding LLC paid XXXX Dollars to Office of the Attorney General as a settlement for filing false claims against NY Consumers, but it continues its Illegal Behavior, using the Courts as a tool.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am an XXXX service member. I was XXXX XX/XX/XXXX-XX/XX/2016 I am inquiring about settling a debt in collections. I have paid off Wal-Mart credit card in full now I just need to dilute my credit history. All other bills and inquires are paid on time bjt my credit is terrible to this please help!

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 10-06-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Recently I checked my credit report due to all the credit bureau breaches and mishaps. Upon reviewing my credit report Ad Astra Recovery XXXX is listed on my credit report from 2012. I do not own this account and it is not mine. I have called Ad Astra to correct the incorrect info listed on my credit report to no avail. I have never received any written information from this company and I am being held financially accountable for an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX a dispute was filed with Experian credit reporting agency. It took several months of writing back and forth but the information below was finally removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX I tried to apply for an apartment but was denied because of the same information that was removed because of fraud, not never living there, using my ss number, plus lack of evidence, ( They have not provided no court documents or judgement from a judge for XX/XX/XXXX for XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX ) was right back on my credit report. On XX/XX/XXXX, I contacted Experian by phone and was told by a representative that I would have to re-dispute my information because they didn't know why it reappeared. On XX/XX/XXXX I pulled my credit report and it's stating that the dispute was done and the information is to remain per FCR recommendations. Now I am confused because once information is removed from your credit report it should remain removed. Now I am XXXX living in XXXX XXXX in the winter because of Experian not re-removing this fraudulent information from my credit report. Why do I have continue to suffer for their mistake!!!! Please help 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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 12 student loans from fed loans account and one from XXXX that keep appearing and that i am no longer liable for on my credit report Open dates for fed loan XXXX XXXX, XXXX ( 13 yrs, 11 mos ) XXXX XXXX, XXXX ( 13 yrs, 2 mos )  XXXX XXXX, XXXX ( 12 yrs, 1 mo ) XXXX XXXX, XXXX ( 12 yrs, 5 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 5 yrs, 4 mos ) Open dates for XXXX XXXX XXXX, XXXX ( 11 yrs, 2 mos )

Company response to consumer: Closed with explanation