milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 I ran a credit report check. Unbeknownst to me there showed a collection agency of the amount totaling XXXX. Not knowing what this was for I contacted the number on the credit report on XX/XX/2016. It seems that an old apartment claimed that I owed them a balance for past rent that they sent to a collection agency. I advised that this information was not correct and I wanted to get a copy of the charges so that I could dispute it. I requested both a paper and email copy to be sent to my address and email address of the break down of charges because the agent could not provide me the information I requested on that call.. verifying all my information the agency said that they would get both sent to me. As of yet I still have not received any breakdown of charges or the dispute info that I requested.. But I checked my credit report today XX/XX/2016 and it shows that they reported me again on XX/XX/XXXX and XX/XX/XXXX again still without sending me any documentation or information about disputing. This collection information is incorrect and they are not sending me the information that I am requesting because they do not have anything on which they can charge me for.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I live off XXXX and about {$1000.00} a month part-time work. The company I work for does captions and subtitles. It 's run into financial troubles, so often the checks are late, and a couple of times the check has bounced. This month, I have about {$10.00} in my checking account with Bank Of America when I deposited this week 's check. Because of my employer 's prior history, they put a hold on the check over the weekend. Okay. But now they told me they are holding the check until XXXX XXXX! I called the boss, and he said the check had cleared his account on XXXX XXXX. I talked to customer service, and to someone at my branch, about why they were holding the check longer, and I never got an answer. My rent check will hit that account soon, and I will be in overdraft, with my credit card linked for the overdraft protection. But meanwhile, they have my paycheck. All they are accomplishing is forcing me to take, in effect, a payday loan. I will pay it with my check next week, plus interest. How else can this be understood?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 I received ACH transfer of {$7200.00} directly into my checking account XXXX into my Wells Fargo checking account. These were good funds. As of XXXX/XXXX/2015 these were my exclusive funds. No other issues with any aspect of said account. On XXXX/XXXX/2015, without any authorization from myself nor anyone in my behalf, notice, request, information, advance or post discussion or letter, call to me Wells Fargo debited my account with the same amount of {$7200.00} and claims to have returned to the original depositor. I have requested multiple times an explanation if such debit was for any specific valid legal reason, or court order, etc, but received no explanation from Well Fargo. Since these funds were exclusively mine after XXXX/XXXX/2015 no one else had the right the debit my account for such or any other sum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Credit card) with Halsted Financial Services, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Halsted Financial Services, LLC will call my cell numerous times daily. When I answer they immediately hang up. When I called back is when I found out who they are. 
I spoke to a person and he wanted the balance on an old account immediately. I explained I could n't do that and he began to berate me, saying things like, you owe the debt and telling me I was a child along with other rude and insulting responses. 
When I told him not to call my cell using a robot he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score and has caused inaccurate recordings on my credit file. Reporting is an installment loan of XXXX last updated on XX/XX/XXXX, an installment loan of XXXX last updated on XX/XX/XXXX. Also Navient is reporting an credit card balance of XXXX last updated XX/XX/XXXX Navient is reporting inaccurate account types that complicates my credit file to myself and other creditors. I am in the middle of financing and their frequent updates are detrimental to this process. For one I was in forbearance and was still receiving mail to make payments. Navient was also reporting late payments during the times of my forbearance in XX/XX/XXXX. I want all loans older than 6 years off of my credit report, as that is more than the SOL for my state. I need this done immediately, as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I ca n't understand who and why they came to drop off a document of a summons and need fo you to validate all these ... So provide all details of my request ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Allied International Credit Corp., (US) (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AIC aka Allied International Credit Corp XXXX XXXX XXXX is attempting to collect a debt I do not owe. In fact, I do not even know what it is for. The person I am to contact XXXX XXXX about the debt has refused 7 times to take my call and does not return my voice mails or messages that reps say they are giving her. I have contacted XXXX XXXX XXXX and XXXX has stated that I do not owe anything, thus there should be no debt collection. I have been called a " XXXX '' by XXXX of their reps when demanding to speak to XXXX Supervisor. I explained that I am a XXXX and would never think of XXXX. The person must be XXXX. I told them that frankly I have never XXXX except my wife and do not intend to XXXX. They will not discuss this scam with me. They have reported this debt to the credit bureaus and my credit rating has dropped from the XXXX 's to the XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was an XXXX. The company failed. It did not file bankruptcy but became insolvent and defunct. XXXX XXXX pursued me personally for a company debt. I tried to communicate with them on many occassions but they ignored it. They sent the account to collections and sued me. I hired an attorney. XXXX XXXX failed to substantiate their claim and the case was dismissed. Now they are still reporting the debt on my credit report. I submitted a dispute with Experian, but they will not take it off the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (MD).
Issue: Struggling to pay mortgage

Complaint: Starting in XX/XX/XXXXXXXX I started making trial payments for the Home Modification program after sending in several completed Home Modification packets with all the required information. The first payment I made in XX/XX/XXXX was voided unbeknownst to me in the customer service department. I continued making payments in the amount of {$380.00} for three months and even made a makeup payment in XX/XX/XXXX. I then heard nothing and reached out via email to each and every " specialist '' and still no response. I would just receive new letters every few weeks naming a new specialist. Finally, in XX/XX/XXXX, I was put in contact with a XXXX XXXX XXXX. She and I worked together to get all documentation together from my brother and sister ( also owners of the property but not on the loan ). In XX/XX/XXXX XXXX XXXX advised me that I needed signatures of both my brother and sister by the end of month of XX/XX/XXXX. XXXX XXXX confirmed all of this information with the Loss Mitigation manager in XX/XX/XXXX and sent me an email with in XX/XX/XXXX confirming that modification documentation had been drafted and I would receive them shortly.. 
I obtained all necessary signatures with notary stamps and they received all documentation by XX/XX/XXXX. I also made the new payment of {$750.00} in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me by phone that I was denied by the Loss Mitigation manager and my file had been closed in XX/XX/XXXX. I reconfirmed all of the previous instructions with XXXX XXXX who confirmed the above facts and told me that I had followed all the instructions as requested by Citimortgage and the Loss Mitigation and she was shocked about the outcome and admitted that she even emailed the Loss Mitigation manager who told XXXX XXXX that " she " misread or misunderstood her email. I was also told I would receive a letter with explanation for denial and file closure. I have not received the letter. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (UT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On  XXXX / XXXX / 2017  I was put in contact with  XXXX   XXXX  of  Quicken Loans DBA Rocket Mo rtgage after filling out an online application. He asked me several questions. During the course of the call I got an alert from my credit reporting service about an inquiry. I asked  XXXX  if he had done a hard pull on my credit and he confirmed that he had. I did not consent to this.  XXXX  did not ask for permission and did not inform me that he would be doing a hard pull.  XXXX  transferred me to client relations after I requested to speak with his supervisor about this matter. The rep informed me that this was a " permissible purpose '' even though I had not consented. This is completely unfair and has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I have contacted Trans union credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied Trans union with documentation from the company, by the name of   XXXX   XXXX   XXXX  . I submitted to Trans Union a letter that stated they are not able to provide proof of debt because they have no records of me on file. Trans union has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to Trans Union as well as submitted to them all correspondence letters between my self as well as   XXXX   XXXX  . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX .2017 and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.

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 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have paid XXXX medical bills that were in collection on XXXX XXXX of 2016 but TransUnion still is not reporting them as resolved.

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 12-08-2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (TN).
Issue: Struggling to pay mortgage

Complaint: I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I got an assignment from Mystery Shopper on XXXX/XXXX/14 via XXXX with XXXX money orders for {$960.00} each from Mystery Shopper to carry out some assignments and report to them how courteous the Employees were while I was carrying out the assignment. I was not aware that there were fake moneyorders and Mystery Shopping assignment was a scam or I would never had cashed these checks and so I felt like Chase Bank did n't protect me from being scammed because I never had {$1900.00} in my account and I ca n't believe that Chase is not aware of fake moneyorder and also they did n't use the 3 day waiting period that was put in place to protect unsuspecting customers like me who are clueless. If the teller had waited before giving me all the cash against my account these fake money orders would have been identified and my account would not have been placed in overdraft for the amount of {$1900.00}. Rules and Regulations are put in place to protect customers and I am disappointed in Chase for not investing in and also teaching its tellers how to identify fake moneyorder and not to cash it against customers account and them charge me all these fees every month and expect me to be paying them for not protecting me from being scammed by waiting 3 business days before cashing large amounts of money and then blaming me for this debacle and destroying my credit, when this should be placed squarely on Chase lack of following banking rules that were put in place for a reason to protect customers from this same nightmare it has being going on for too long and has destroyed my credit score. I have written XXXX letters to the bank seeking a resolution but they are saying I 'm at fault I cashed fake moneyorder and I think Chase did n't protect me from being scammed by not investing in training the tellers who should be aware and ahead of scammers and not allow them to destroy people 's finances. I 'm distraught this is going on for 10 months now. I filed a complaint with the police they took the XXXX the copies of Fake Moneyorder and all information, the bank promise that FBI would be involved I would like to know if the bank was not aware of Mystery Dhopper scam like me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt Collector calling itself " Integrated Services '' called threatening to take legal action that they are not able to take in California. Debt Collector is flagrantly violating the Fair Debt Collections Practices Act with their threats and deceitful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To fill a gap in the chain of title for my property from XXXX I was given copies of original paperwork, payment information, applications and anything but what I asked for, a continuous, unbroken chain of title as proof of standing to foreclose. After numerous formal requests by QWR 's XXXX transferred servicing to Nationstar.that continued the barrage of useless paperwork. I was sent a Corporate Transfer of Trust deed that XXXX sent me that is a fraudulent, fictional, forged document that purports to fill the gap between XXXX directly to the Pooling and Servicing Agreement of XXXX for XXXX trust.There were many other transfers. I have proof that XXXX shredded the original Note that alone nullifies any authority to foreclose. The transfer occurred 6 years after the XXXX XXXX, 2004 closing 3 yrs.after XXXX closed, and 3 yrs. past the Notice of Default. 
Was the investor paid by insurance or lawsuits? Neither of us have clear title so we need to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account # XXXX XXXX XXXX XXXX was added XX/XX/2009 account should be removed after 7 years. The account is now open account and in good standing but the account is in both negative and current standing. Negative past due status should be removed from credit report. incorrect amount and account is not closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This bureau is plainly in violation of FCRA law Code XXXXProcedures in cases of disputed accuracy. I will challenge their disappointing investigative abilities in this complain and set forth any legal action necessary from this point forward. 

XXXX. # XXXX ... is outdated and past due in terms of deletion. By law items can not surpass the 7 years mark in regards to being on my credit report an this account in plainly in violation of that LAW The problem I am having with this company and their false and illegal repotting is that they have DELETED the ENTIRE payment history after each of my disputes in order to cover their tracks regarding anything and everything i am challenging. I have gone from having a payment history showing from XXXX to having no history of payments and therefore no ability to verify or deny anything that is being argued regarding this incomplete and invalid account. This account, XXXX, is clearly non-verifiable and over due to be deleted. 

Another concern I have is that this account, from XXXX, has been re-aged and made newer to reflect a XXXX date, even though all of my payment history has mysteriously been wiped out. 

This is unacceptable behavior and so very unlawful. Why delete information that I am disputing an then tell me it was verified? I called the number XXXX XXXX XXXX and got no response nor a dial tone. Therefore, I am curious WHO you have contacted to verify this terrible account through and HOW! I have never held an education loan with XXXX Bank, I have FEDERAL LOAN with the government and that is it! My account was transferred when my school violated FDCPA laws against its students and the government took over every students loan. I have never in the last 7 years been involved with any other loan. This is well passed that date an though it has been altered and change NUMEROUS times, I will challenge it until it is removed! It is clearly outdated and unverifiable. I am being lied to by your company and I DO NOT APPRECIATE THIS! No proof, NO descriptions and procedures, as the law CLEARLy requires under FCRA section ( XXXX ) : A Consumer Reporting Agency Shall Provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 

THIS ITEM HAS NEVER BEEN PROVIDED TO ME! I have requested proof and validity on this account on numerous occasions. You have not fulfilled your duties to me as a consumer and therefore have no right to keep reporting this account to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I refinanced my loan from Navient XX/XX/XXXX. They provided me with all of the numbers which needed to be inputted to ensure that my loans were paid in full by the company who was doing the refinancing. The paperwork went through that same day, and yet I still owed a balance ( roughly equal to a 2-3 days worth of interest ). I have always figured this was due to their incompetence, but was stonewalled by their customer service team. My final supplementary payments went through on XX/XX/XXXX for {$210.00} and {$160.00}.

Company response to consumer: Closed with explanation