milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with Recovery One, LLC (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: We purchased windows from XXXX XXXX in XX/XX/XXXX, and paid a deposit of 50 % of the cost. We were charged extra to remove and replace the shutters on the windows. After completion there were several windows that did not have locks and that were poorly installed. Broken glass was scattered all over our yard and not cleaned up. Our shutters were damaged, replaced incorrectly, the paint was scraped and shutters will not close. XXXX XXXX promised to correct all of the problems. They have not. We have made several appointments in which they failed to show up, or did not have the right materials. We took time off of work to meet them. On XX/XX/XXXX we agreed to pay an additional 30 %, and that we would pay for the clean up and the shutters. In the last few months we have been contacted by Recovery One, spoofing my daughter 's, husband 's and work 's numbers. In other words, I have answered the phone expecting my daughter, work or husband, and instead the creditor is on the line. We have asked both the debt collector and XXXX XXXX to stop the calls and yet the calls continue. Today caller ID showed my daughter 's number, and instead " XXXX XXXX '' was on the line. She stated, " We are filing suit against you. Your wages will be garnished. Pay for your windows! Pay for your windows. '' she then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Payday loan debt) with United Collection Bureau, Inc. (MO).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I filed a compliant against this company X/X/2016 regarding there illegal collection tactics never received a response. Rep where XXXX XXXX & XXXX I also spoke with the owner of the company advised him his reps where pretending to be law enforcement. Multiple fdcpa violations. I requested {$5000.00} for the vilolations & removal from my credit report with the original creditor XXXX XXXX XXXX. I am wanting a respone or will have to seek legal action. I also need this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Sallie Mae is still reporting on my credit when my loans were transferred to XXXX. My accounts with Sallie Mae are all at a XXXX balance and it has been over 10yrs and they are REFUSING to delete it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OH).
Issue: Trouble during payment process

Complaint: With the new XXXX Tax Law I considered paying off my mortgage due to fact that my Standard Deduction will double. A {$50000.00} principal payment was made on XX/XX/XXXX. This payment was made via check from XXXX XXXX to Ditech Financial LLC ( " Ditech '' ) XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XX/XX/XXXX. Ditech cashed my check on XX/XX/XXXX. The allocation of the principal & interest was not processed until XX/XX/XXXX. I have tried to resolve this issue with Ditech since my first phone call to Ditech on XX/XX/XXXX. After this initial call I have had 9 additional correspondence with Ditech. The last call made XX/XX/XXXX to Customer Service said I wouldn't receive an answer until possibly the end of the month. Each call to Ditech never initiated a return call the rep mentioned and/or promised. I always had to call back and talk to someone different and review the entire scenario all over again. My wish and/or request is to simply apply what principal amount I have coming and that has yet to be completed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

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 03/13/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was leaving for extended overseas trip and paid off my XXXX XXXX city bank credit card balance in full but when I came back there was {$160.00} late fees. I called the city bank and city bank preservative provided me with no dispute option and made me to pay in full. Call was recorded. In my second call to a supervisor she indicated there was a {$13.00} charges that were proceeded late by city bank and City bank would reimburse for all the interest and late charges. ( Call was recorded and transcripts should be available ). She documented the problem and send it another department for resolution and she asked me to check back in a week for results. When I called no action was taken and just got the run around. City bank did not take responsibility for processing the charges late which was confirmed by city bank representative on the 2nd phone call and they ruined my credit for {$13.00} and made me pay {$160.00} late fees.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX XXXX sent an invalid {$90.00} dollar debt to a collections agency named XXXX. This agency was reporting to XXXX. Since the debt was not mine I disputed it with XXXX. After the investigation the account was deleted. This was XXXX XXXX. 

Then in XXXX XXXX, XXXX decided to reinsert this invalid debt and send it to a new collections agency by the name of XXXX XXXX. Reported again to XXXX. I quickly disputed as soon as I noticed it and it was again promptly deleted. 

XX/XX/XXXX, XXXX XXXX reinserts this invalid debt and sends it to a collection agency named XXXX. This agency was reporting to XXXX as well as Equifax. I immediately disputed the account and again like every other time it was deleted by XXXX and Equifax. 

Now presently again for a FOURTH time XXXX has reinserted this invalid {$90.00} debt that I do not owe them. It is currently with a collections agency named XXXX XXXX, who is reporting to Equifax. I have not had a chance to check if they are reporting to XXXX. Of course I disputed with Equifax as soon as I saw the account pop up again. This time for some strange reason the account has been verified by Equifax and now I am at a complete loss for words and have no idea how to handle this. 

I am afraid that I might have somehow done something wrong this time that caused the debt to be verified by the credit bureau. This was the ONLY time out of all XXXX incidents that I picked up the phone and contacts XXXX as well as the collections Agency and told them everything exactly as typed above. I made those phone called the exact same day that I initiated the dispute with Equifax , because it was the agent at Equifax 's dispute department advice to do so. 

I greatly appreciate your help and efforts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I am currently leasing a vehicle through Nissan Motor Acceptance Corporation. They own the title. I moved from the state of XXXX to the state of XXXX, where I needed to have my title mailed from XXXX to the state of XXXX. For the past four weeks, I have not had any title mailed to the state of XXXX XXXX. The first request came in to XXXX on XXXX, again on XXXX and again on XXXX. However, no title has been sent to the XXXX as requested. I am now unable to send the XXXX plates back in the allotted 30 day window in which I am required by the state of XXXX. It is now XXXX and i am still unable to have the situation resolved - which is to have the title send over to XXXX XXXX so I can register the XXXX in the state of XXXX and then remove the XXXX plates and mail them back to XXXX as required.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company has been attempting to collect a debt that has been identified as identity theft. The debt is not mine and has an address attached that I have never been associated with. I have written and called them numerous times to request documentation showing me originating the debt and they just mail me credit card statements that are not mine. The original debt is from XXXX XXXX who has agreed the debt is the result of identity theft yet this collection agency continues to pursue me. The real crux of my complaint is that over the last few months they have done a hard inquiry on my credit file every single week ( over 23 times in 3 months according to XXXX ). These unwarranted and unauthorized inquires have resulted in me experiencing a significant drop in credit scores which has left me unable to obtain financing and paying higher interest on existing debts. I feel as though there is no ligament reason for the obscene number of credit inquires recently conducted by this firm and the only explanation is that they are maliciously attempting to attempt an illegitimate debt through coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i attempted to get some quotes for homeowners insurance on my home, i was given and extremely high rate {$3900.00} per year. i asked why my rate was so high and i was told it is because of a claim i filed in 2016. I called my insurance company to question the claim and was informed i didn't have a claim. I further investigated and was directed to pull a XXXX report. Once i received the XXXX report i was able to see a claim was filed against my property on XX/XX/2016 for XXXX. I filed a dispute and then i contacted my insurance company with the information, i was informed of the person 's name. The person 's policy and address were totally different from mine, but the person is my niece, she had a tenant claim on her rental property at a totally different address, but somehow it is being charged against me. i contacted XXXX once again ( they are my agents and her agents also ) and was told that i would be held responsible but they will not remove from my XXXX report. This is cause me money and stressing me, i need to know if i need to seek legal action to have this remove.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WY).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed in XXXX 2012. The XXXX lien holder, Wells Fargo, did not follow proper procedure about closing the loan out. They now are recording my loan as an Unknown status, which is preventing me from moving on with my life and securing a new mortgage on a lesser home 3.5 years later. I am told that they must record the mortgage status as foreclosed or written off, and they are not doing so on my FICO report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had 2 accounts at JP Morgan Chase Bank. On or about XX/XX/XXXX, I filed a claim on my Debit transactions for the over charges of a merchant. The merchant XXXXpproved cash advance debit transactions but they were processed credit transaction which I was charged more higher fees. Chase accepted my claim and I was temporarily given refunds. On or XX/XX/XXXX, I had direct deposits ( DOL {$5000.00} ). We tried to make withdrawals but the bank system would not allow us. I scheduled bills payment on the same date but they were all rejected by the Chase bank. I contacted Chase bank and I was told as of XX/XX/XXXX, all our accounts were all restricted and closing sooner due to excessive claims I made. I was told that I was no longer have any relationship with Chase bank. 
On or about XX/XX/XXXX, I had direct deposits ( SSA {$1700.00} ), again Chase bank will not allow me access my accounts including withdrawals at the branch office.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get daily repeated phone calls from an number in XXXX XXXX, NJ XXXX. Either no one is there, or when I ask to have my number removed they hang-up without speaking or warning. <P/>When I do get someone, they never Identify who they are by personal name of company name. They state that the call may be recorded in an effort to collect debt. Then when someone is there they ask me to verify my name, DOB and on one case my address and SSN #. When I advise they need to ID themselves, they say they can not until I verify the above because it is of a personal business matter. They refuse to give the company name which by FDCPA they must do as it is not confidential info. When I demand they ID them self, they hang-up without warning or comment. <P/>On X/XX/2017 I called the # back and got a rep who asked for me to ID myself. I refused to until she told me the company name. She hung up on me. I called back and a different que gave me the company name as Berk Credit Collections. I then asked for a manager and got a man named XXXX XXXX, who I asked to remove my # and he said it would be done. I also requested a written notice of who they were and what business they had with me. he asked for my Address. I advised if I had legit debt that he would have that. I advised that the reps are calling and hanging up when asked who they are calling from and how this is a FDCPA violation. He merely said, " Yeah, OK '' and he hung-up. <P/>What recourse do i have. I am not aware of any debt I have in collections. I do n't have perfect credit but have worked hard to fix my past mistakes. this is harassment and unfair debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I 'd filed a previous complaint about Best Buy. Was told if I opened acct to buy XXXX XXXX, it would only be {$25.00}. Several months ago they began dumping interest and fees, {$1900.00} bal ( limit {$2000.00} ) they took to over {$2500.00} in just few months almost {$100.00} mo payment. TV per their site isnow worth {$250.00}. Each month they told me diff story ; sent me an agreement, told had 30 days to appeal. Asked them to explain and if it would put $ XXXXmonth back. They said I had to wait to see XXXX bill, but that would be after 30 days! My XXXX Bill just came in and it 's still almost {$100.00}, balance {$2700.00}. I told them heavy medical bills, ca n't pay {$100.00}, only {$25.00} as i was promised. Keep telling me diff stories as they pile up fees and interest. Wife borrowed $ to pay XXXX in full, thinking in XXXX we 'd be back to {$25.00}. Best Buy will not take any responsibility for scamming us, and will not work with us. I offered to give tv back said no. I asked that restart the balance to around {$1900.00}, XXXX which is still outrageous for this tv and a few other sm items in the trash ), but was willing to settle for that if they reset monthly payments to {$25.00}, which is what we were promised it would be. My wife is partially XXXX, we are both senior citizens. Can you give us contact information for someone who CAN help us? We of course ca n't afford a lawyer. My wife went to doctor and XXXX XXXX way up because of Best Buy. Please help. Thank you very much. We feel we 've been scammed and worst, now they might ruin our credit, and maybe insurance and other bills will skyrocket. That will be completely destructive for us. My former complaint # # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a request for validation that MCM signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I have had numerous issues with US Bank Mortgage from the start and one id the statements that have shown they have not received payment and the statements reflect NO payment when in fact they have by my bank statements, I attempted to rectify the process of them getting payment from my bank earlier to reflect payment received and after that failed I stopped the auto payment process from my checking account and received a letter from US Bank stating that if the stop auto payment was not per their requirements they would continue to draw payments from my Bank checking account. I have decided that mailing payment would be a way to see to it the payments were posted or received faster, and that has proven to fail. On XX/XX/XXXX, I mailed a payment to US Bank mortgage division with payment coupon and then after XXXX weeks and still showing of posting of or proof of payment recieved I mailed yet another payment and I called US Bank yesterday to inquire as what or why there has been no evidence of either payment on my account as of yet and there was no response from the employee and no explanation or evidence of either payment of {$1000.00}. I have received numerous letters stating what I have to do or they will do such as continue to remove funds from my bank account with out authorization and other sort of threats of what they will and can do. I spoke to them yesterday and stated from now my payment will be delivered certified or return mail receipt to prove that US Bank mortgage has received payment.

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 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to obtain my credit score based on verification questions. I feel there is a fraud using my SSN. I am only XXXX years old, and have never had credit, but the questions are asking me to verify what bank I used to open a mortgage? I have never opened a mortgage. I have never bought a car, or had any type of credit. I feel that my SSN was opened when I was a minor, and used to obtain credit lines. Now this person has done so much, that I ca n't obtain a credit report, because they do n't know who I am.

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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Stellar Recovery still has me in collections, and this debt has been paid to the original debtor, for months. And I disputed the account and it has not been removed from my credit report. I have submitted a second dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation