milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Debt collection (I do not know) with Waypoint Resource Group, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this company XXXX XXXX in the  beginning of XX/XX/XXXX because I never had an account sigh the company they are trying to collect funds for and they verified it was mines so I did what the XXXX credit bureau agency told me to do and called waypoint XX/XX/XXXX and gave all information needed they stated they have no record of me in their system then all of s sudden had found information and i have them my previous and current address which didnt match their systems being that the address i gave them XXXX XXXX XXXX that i been living at since XX/XX/XXXX and recently moved to North Carolina and they said they couldnt tell me anything about the account because that isnt the right address which I dont know what address they are looking for me to verify and i asked why are they reporting a debt thats not mines on my report and they could not answer at all i also in XX/XX/XXXX sent them a debt validation letter under my fair debt collection reporting act and never got anything in response by law i should be able to get documentation showing me how the debt is mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Non-federal student loan) with AES/PHEAA (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I borrowed from National Collegiate Trust I made payments for several months before it was sold. I found out who it was sold to and begin making payments with them ( balance increased ), it was sold again and has been sold again and the balance is continuing to increase. Not to mention that every single company that it has been bounced around to is unaware of the previous holder or originator. They ask me for a huge amount to put down ( {$10000.00} ) and are not willing to work with me for reasonable payments, threating to take other actions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for six months from XX/XX/XXXX - XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX  REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS 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 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Last summer ( I believe XXXX ) I noticed that my auto pay on my XXXX XXXX card from US Bank was making the minimum payment and I thought it was set for full balance every month. I called the bank and they said I could change this online. I made a one time balance payment and then I thought I set up auto pay for full balance each month. The auto pay portion of the web site is difficult to navigate and does n't display which balance pay option you have selected for auto pay, as far as I can tell. 
I just checked my credit report and noticed that they did not make this change, so I have been paying minimum payment the past year, exactly what I called them last summer to avoid. The bank claims I made a mistake in setting up the auto pay, which is certainly possible, but they do n't have any records one way or the other. If I did make an error, I 'm complaining that the US Bank auto pay set up is not transparent and can lead to these types of errors. If I did n't make an error, I 'm complaining that US Bank did not implement my request for full balance auto pay. Either way, it 's very difficult to tell what the account is set up to do, which will lead to these situations.

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 04/26/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: On    X/XX/2017      I received a call from a representative of  OCWEN Loan Servicing i ndicating my loan was in default. I had no idea what he was talking about. He told me that my escrow account was short, I believe  XXXX  or  XXXX   XXXX  dollars. I had never heard of such with a loan so old (  XXXX   years old  ). One of the most confusing things about the conversation was he, the representative, could not tell me how he arrived at that figure. Usually the mortgage company will send a copy of the escrow account with how all accounts have been paid, if there are shortages, and when they are due.     Finally, after I saw he could not explain himself, I requested a copy of escrow account to be faxed to me. It took a while for him to get the information. I 'm sure they have procedures in place, but it took him a while to get it together. After a while I told him to fax it to me when he got the documents I needed.     However, I did receive the fax. After I reviewed the escrow account, I could not understand how they came to their conclusions. So, I called for explanations. There were none, that I could understand. I asked several times ; how did you come up with these projections. I was told RESPA allowed them to use projections but he could not tell me by how much. I kept asking, what 's the criteria for the increases? That question never got answered. I know a {$4000.00} projection or {$400.00} a month is unreal, on this property for sure.     Bottom line, my taxes and insurance have been consistent for years. Maybe a little increase here or a little there due to an increase in insurance, but never to the point that payments are increased by {$400.00} a month. That does not make any sense to me.     Not only did my payments go up, but my account is now delinquent. That has never happened before.     Maybe it 's because I have a low balance and in a good neighborhood, and maybe they are using increased escrow as an excuse to cause problem s. OCWEN Loan Servicing bought thi s loan a few years ago. Until now everything has been pretty good.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Payday loan) with National Credit Adjusters, LLC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from XXXX on a debt that they purchased that I had defaulted on. The man 's name was XXXX and he was threating to have me thrown in jail for e-signing a bad check to them, that if I did not give him my credit card information right now then they would contact the solicitors office in my county and have me put in jail for XXXX dollars a day until the debt was paid. I have never had any interaction with this company and they purchased the defaulted debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never applied for credit ever and someone elses debt is showing on my reports also I recently applied for a XXXX XXXX credit card and was denied stating I filed bankruptcy which I never filed in my life. 
Im a victim of identity theft and filed a report with the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Starting XXXX XXXX, XXXX, the three major credit reporting companies - XXXX, Experian and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my Experian credit report.

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 04/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: Bank of America is in the process of closing my account. I have $ XXXX in my checking account that they will not release to me. I 've called the number directed to call and left several messages. No one has responded with any information. I went to the branch and advised to call the XXXX number again. I want my funds released to 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 07/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Accounts and Amounts have been dismissed in XXXX County Superior Court ( Ga. ) on XXXX/XXXX/2015. I have documentation stating that fact, and it is available at XXXX Superior XXXXXXXX XXXX XXXX, Ga.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I reported it in XXXX of XXXX, it is still affecting my family and we have lost everything since the incident occurred in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with Dynamic Recovery Solutions, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had paid a debt that was owed after my " incident '' about a year after i received a call from a collection agency stating that i had still owed money. They had already put a hit on my credit. They offered to lower it just a little if i had paid the full amount so i did even though i was frustrated because i had already paid the full amount a year prior. Fast forward to now 2018, With no prior contact through phone first i got a letter in the mail stating that i still owed the same amount that i had paid three + years ago. The second time i had paid them was because i had no proof of payment because there was no way to go back in my billing statements for that long. Now that i am getting another letter i have the same issue. I had never received a letter or anything from them that i had paid. THEY DONT SEND LETTERS AT ALL even though they are supposed to. This is the reason they are trying to collect the same amount because they know that they never sent a letter to me stating that i have paid this. I did not know they were suppose to do this since i have never dealt with collection agencies before. This incident happened almost 7 years ago, which in the state of Ohio there is a statue of limitations of 6 years. Why are they still trying to collect money, because they know they cant technically sue me for this but, still trying to collect more money that is not due without even validating the debt. They should owe me money for paying twice. They have not showed any proof that i even owe both times. Trying to get in touch with the creditor who sent this to a collection agency to see if they were even paid through them in the first place. This debt is invalid since their was no " confirmation '' or written letter thereafter. i believe this collection agency is not following its guidelines according to the Federal Fair Debt Collection Practices and Act. As of XX/XX/2018 there have been 460 complaints on the XXXX for Dynamic Recovery Solutions. This agency has many unfair practices in obtaining to collecting debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company is reporting false negative information about me to banks and credit card companies and it 's interfering with my being able to open an account. When I contact the company, they are rude, insulting, unprofessional and provide no help whatsoever. They are also very insensitive towards me and the problems this is causing. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to banks. They do n't care about anyone but themselves. There are virtually XXXX of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: MidLand Funding LLC contacted a member of my family and talked to them about my debt. This 3rd party is in no way a co-signer or have anything to do with my debt. The debt collector told them the amount of the debt, who the original creditor was, and that it was my debt. Legally they are not supposed to disclose this information, but now it seems they are harassing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a final judgement vacating the mortgage that " Nation Star '' & XXXX XXXX are trying to collect. Additionally, they have stolen my insurance proceeds and have refused to return them. I have been living in squalor as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Payday loan () with AmeriCash Holding LLC (IL).
Issue: Charged bank acct wrong day or amt

Complaint: I have XXXX payday loans and my hours at my job were cut so I contacted XXXX relief to consolidate my loans/ I just did n't want to not pay them so I set up an arrangement to pay them through the debt consolidation company. they were receiving their payment out of the payment I was making to the debt consolidation company. They still debited my account I was back and XXXX with the bank. Even Though I was still paying them Credit box LLC and XXXX were still debiting my account even though I stopped payment with my bank they would then debit the account for a different amount on a different day. They even went as far as harassing me everyday and calling my job to verify my employment. After that I was shortly fired my job said it was for another reason but it happened the same day they verified my employment. I was able to get unemployment but I am unemployed and they are still harassing me everyday and I have the phone records to prove it. I tried to do the right thing but in the end they caused a lot of heart ache and pain.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have asked for corrections on a XXXX account I paid in-full as I am working to clear a matter concerning a Chapter XXXX that I have not affirmed. You have this under CFPB case # XXXX. CITI sent me a letter dated XX/XX/2018 saying they are going to refund the money paid by my spouse to pay the account in-full so that they can report the account in a negative status rather than correct the erroneous reporting. CITI wants to pretend they were not aware of the Bankruptcy reporting but they were well aware when the payment was made on XX/XX/2018. CITI in-fact was aware on or before XX/XX/2018 as they accepted a payment from me from my checking account. I called XXXX from my cellphone because I could not make the payment myself online and was informed that they had frozen my account access because of the Chapter XXXX being reported but they said that I could pay over the phone using my account they had on file and so I made a {$50.00} payment which they accepted. Due to the hassle of making that payment I had my spouse pay the account in-full. Now CITI wishes to reverse a payment so they can damage my credit rather than correct the reporting. As I stated I have not entered into a Chapter XXXX plan as fraud has been committed and I am committed to correcting it through the legal system. This account has been paid in-full and now they wish to refuse payment so they can generate negative reporting which damages me further credit wise based on creditor fraud. I have their letter as proof they are reversing a paid in-full account to effect negative reporting on my credit.

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 09/30/2016 about Student loan (Non-federal student loan) with AES/PHEAA ().
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I took out a student loan with XXXX while studying in XXXX. The debt was sold to American Education Services, which is supposedly run by the government of Pennsylvania. The company contacts me incessantly about paying my student loans, which I do pay in the full amount every month. They are very frustrating because their website does not work and they do not send out paper statements about the details of the loan. They only send an email reminding me to pay, but no other details. Since I can not use their website to pay I have to pay through my bank. Recently they have increased my monthly payment but I have no idea by how much. You should see the complaints about this company, just look at the website XXXX and look for the company. I would like to pay off the loan in full and transfer the debt to XXXX where I now live, but I am afraid that I wo n't even be able to do so since there is no paper trail.

Company response to consumer: Closed with non-monetary relief