milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Access Receivables Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I acquired some assets of a company, but not the entire company. Some debt collectors have attempted to collect debt belonging to that company, but have backed off as soon as they 've heard that I did not acquire the company. That has not been the case with Access Receivables. Yesterday I received 2 calls after explaining the issue to a XXXX XXXX at that company. Today he has called 12 times so far and it 's not quite XXXX. He has yelled at me multiple times and will not stop calling, even after I told him he was harassing 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 07-03-2015 about Debt collection (I do not know) with Cascade Capital, LLC (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested Transunion to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXXXXXX XXXX  and XXXX XXXXonsumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

XXXX. ) Phoenix Financial Service, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. 
Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. 
Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. 
Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. 
On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. 
# XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. 
On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. 
THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. 
THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. 
THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. 
ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX 
These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. 
THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. 
XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have never received any letter from them stating that I have a medial debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely Do NOT have a contract with Collection Service of Athens. 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly. 
Last Reported XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AL).
Issue: Trouble during payment process

Complaint: Freedom Mortgage bough out my existing home loan in XX/XX/XXXX. My property taxes, which are to be paid from escrow, were due XX/XX/XXXX. It is now XX/XX/XXXX, 135 DAYS LATE, and my taxes have not been paid. 

It appears, from reviewing an escrow statement, that when they took over the loan, someone there royally screwed up and did not even calculate the property taxes in my escrow account. This is their fault. 

The county revenue commissioner has sent a certified letter to me that states my property will start advertising in two weeks for a tax sale. 

I have talked to numerous people at Freedom. I called mid XX/XX/XXXX when I realized they had not made payment and was promised it would be handled by end of XX/XX/XXXX. 

These people have mismanaged my funds and have breached contract. I have never been late on a payment I expect the same from them. This morning I was promised it would be paid by close of business today but doesn't look like that is happening, either.

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 11-10-2015 about Debt collection (Auto) with Westlake Services, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called twice to my knowledge from phone number XXXX and it is a recording from XXXX XXXX stating " federal law designates this matter '' stating failure to respond. She said the company is Direct Recovery Services. I am consistently checking my credit report and I am aware of any accounts I have in collection and with whom they are with. There is no DRS listed. They have started calling previous friends and co-workers. This is extremely aggravating and embarrassing for friends and co-workers to deal with. I have no idea how they are getting their numbers especially since I have n't spoken to the previous friends or co-workers in approx. 3 years.

Company response to consumer: Closed
Consumer complaint received 02/17/2018 about Checking or savings account (CD (Certificate of Deposit)) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On Friday,XX/XX/XXXX I called CapOne 360 at their phone number defined as " Sales/Service Number : XXXX ''. I wanted to open a CD in the maximum amount covered by FDIC insurance and I wanted to title it in my name with my husband as the beneficiary of a POD. 
The gentlemen I spoke with told me that " temporarily '' CapOne 360 is UNABLE to write POD 's. I asked him why and he said the laws are different in all 50 states and we're trying to streamline our POD forms. Until such time we are unable to write POD 's. I asked how long this temporary situation had been in effect and he said " about a year ''. 
Currently there are only a couple banks offering 2 % on a one year CD. I have been a customer of CapOne as recently as XX/XX/XXXXwhen my last CD with them matured. 
I chose not to do business with them now as they are currently not offering a product that I thought was allowed by law and has always been an alternative in the CD marketplace.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MIDLAND FUNDING LLC is reporting a debt to credit reporting agencies that is not mine, and that has previously been reported AND REMOVED. This is an ongoing issue where they wait a short time and then re-report the item.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CCS AKA CENTRAL CREDIT SERVICES INC AKA RADIUS GLOBAL SOLUTIONSPosted in : XXXX & XXXXXXXXWeb site with alleged contact info : XXXX lists them as an accredited business with an A+ rating and XXXX complaints : XXXX ... XXXX page : XXXX 
XXXX lists the head criminals in this organization : XXXX ... XXXXXXXXCheck out the CCS Companies listed at multiple locations & phone numbers above after reporting the callers still Received Scammer/Harasser calls from ( XXXX ) XXXX XXXX in XXXX, MA. ( CCS Companies on Caller ID ) that constantly call for the last 10 years - most recently on : * Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Fri. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX from ( XXXX ) XXXX XXXX XXXX ( Debt. Collector ) looking for XXXX XXXX or XXXX XXXX to call her at ( XXXX ) XXXX these Debt. Collectors have my phone number seeking the people who formerly had my phone number & I 've called back to let the Scammer/Harasser know this is the wrong phone number & they can find the " Persons of Interest '' on XXXX XXXX XXXX since XXXX XXXX is currently XXXX - I do n't answer unwanted Annoying Phone Calls on my unlisted number & Reported to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Freedom mortgage can not seem to be able to pay my property taxes on time. Where I live my property taxes have to be paid before the XXXX of the year and at the city before the XXXX of the year. Freedom Mortgage does n't seem to understand this or care. Last year they cut the check on the XXXX, but did n't mail them until the XXXX of the following month. This year they did n't issue the check until the XXXX of XXXX and the city did n't get them until the XXXX of XXXX. Because of the fact they can not get my tax check out in the mail before the end of the year I can not claim my property taxes on my income tax return. When I called about this they said as long as they get them to the city before the XXXX of XXXX they are not late and there is no issue. They just do n't get the income tax issue and they are a mortgage company? One person there told " What is the big deal, just claim it next year ''. Another told me that they issued the check on the XXXX of XXXX and mailed them on the XXXX. How can that even happen!! 
All I ask of them is to issue and mail out my property tax check before the end of the year so that I can rightfully claim them on my income tax return that I escrowed them in.

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 12/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax Credit Report reflects adverse accounts which are beyond the seven year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of seven years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While i filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. This would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the seen year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are not requiring to furnish such information. Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. It would take but a minute to review the credit report to see that information is inaccurate. For example the XXXX account states the first Major Delinquency was XX/XX/XXXX but it also goes on to state that it was first reported XX/XX/XXXX. How could it be reported in XXXX if it did n't happen until XXXX? Please remove these adverse accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding case # XXXX, how much time does Ocwen need to make a copy of the filing they have been claiming 'for months ' that they filed with the county? 
The question regarding as far as to why has their 'collection department ' being the one handling this loan when the loan was never on collection should also be an easy answer they should readily provide Why does the investor on whose behalf Ocwen was servicing the loan, wants to keep the note. I think that in this case CFPB should intervene and question the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Payday loan () with PAYPAL HOLDINGS INC. (MI).
Issue: Received a loan I didn't apply for

Complaint: Paypal paid my purchase with credit, not as usual with direct deduction from my bank. I called immediately and was told that there was nothing that could be done until I received my bill. I was charged {$4.00} for a {$15.00} purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (VT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Payment information not recorded accurately. Account was in forbearance, then listed as being past due.

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 CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was just reviewing my credit score and noticed four unknown credit inquiries. Three occurred on the day that I purchased a new vehicle, however XXXX XXXX is reporting an inquiry on XXXX XXXX, 2017 via XXXX. On this date, I was still just visiting different dealerships. I can confirm this because I took pictures while at XXXX XXXX and the date lines up with this credit inquiry. I specifically told the car salesman that I did not want to have my credit ran. I never gave any authorization neither did I provide my social security. More so, they never mentioned that they even ran it so I had no idea until now. When the sales person could not get the car I was interested in down to the price that I wanted, he attempted to convince me that another in a different color would be just as good but I assured him color mattered and I would not be leaving without it. Unfortunately, they still kept me there for hours by insisting that his manager wanted to speak with me, all while holding on to my drivers license. When I finally got it back, he said maybe we can try again that weekend. I never went back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation