milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Good morning, I have been back and forth with this debt collector asking them to please stop harrasing me with this debt that is not mine. I asked them to please submit and validate that the debt is mine and till this day they have n't. I asked them to please remove it from my credit report and they still have n't. I explained to them that I had a problem with another account with XXXX XXXX. Someone was using my information and opened an account. Thank XXXX I noticed and had it removed and closed. I have attached a letter of what I received. I know it doesnt have to do with this particular company, but I wanted to let you guys know that I have been having problems with my identity being falsely used.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: X/XX/17 {$600.00} Company never contacted me about a debt. Placed on credit report, no contract with this company.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from 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 09/19/2017 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: Old information reappears or never goes away

Complaint: I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: I received an Escrow Review Statement from Wells Fargo Bank on XX/XX/XXXX that indicated my escrow account has a shortage of {$8600.00}. Perusing the Statement, I discovered that only {$170.00} had been taken out of my mortgage payment of {$980.00} per month, an amount clearly insufficient to pay the escrow items of {$6000.00} in property taxes and {$1000.00} in insurance ( for a total of {$7100.00} ). Because my home is located at XXXX XXXX XXXX, which is within the city limits of XXXX, TX ( in XXXX County ) but is physically located in XXXX County, it is assessed for property taxes by entities from both counties. Looking at the Escrow Account history from XX/XX/XXXX to XX/XX/XXXX, I noticed that only {$1200.00} had been projected for the XXXX County portion of the property taxes ( instead of the actual {$4800.00} ), and that {$0.00} had been projected for the XXXX County portion ( instead of the actual {$1200.00} ), a gross underestimate. As a retired XXXX and XXXX veteran on a fixed income, I could have paid the {$1400.00} monthly mortgage which would have prevented this shortage. I have contacted Wells Fargo to address this situation, and they have offered to allow me to repay the shortage over 24 months, at {$1600.00} per month. However, I feel that since the Loan Officer was made aware of the {$990.00} per month rent I was paying before purchasing my current home ( the purchase closed on XX/XX/XXXX ), he made certain that the mortgage payment was similar, in order to increase the attractiveness of the loan. The home is not a new construction ( it was built in XXXX ), and the property tax rate actually decreased from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, so uncertainty about the property tax rates during the closing process is unlikely. On XX/XX/XXXX, I notified Wells Fargo that I had successfully challenged the valuation of the property, lowering that amount by approximately {$40000.00} and had added both a homestead exemption and a XXXX veteran 's exemption, with the result that my XX/XX/XXXX property taxes will be reduced from the {$6000.00} paid in XX/XX/XXXX to {$4600.00} due in XX/XX/XXXX, so the escrow portion of the mortgage could be reduced to {$470.00} per month ( disregarding the shortage amount ). Since the shortage is due to a " miscalculation '' by the Loan Officer, which " happened '' to give a mortgage payment {$0.00} less than my monthly rent at the time, do I have any recourse available to address this issue?

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 03-03-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I took a mortgage through USBank home mortgage in XX/XX/2009 for {$55000.00} on a home. and participated in the Florida first time home buyers program offered by the state of Florida. I received a {$10000.00} down payment assistance through the Government ( 1st time home buyers assistance program ) this is only re-payable to the Government when I sell my home. I just checked my credit report and noticed my balance of {$49000.00} I currently have with USBank home mortgage has increased by {$10000.00} to {$59000.00}??? Also, this lowered my credit score, because the balance now owed increased by XXXX. I have contacted and spoken with several USBank representatives, who at first said the issue would be fixed and my credit report would be adjusted accordingly. Now I was told that this money is part of my loan and USBank Is collecting it! I really do n't think this is legal??!! Especially since I am sure that there is no interest on the {$10000.00} dollars the Government gave me for the first time home buyers assistance. And why now?? After 9 years of paying my mortgage on time without ever missing a payment or ever being late!!

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 11-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Problems caused by my funds being low

Complaint: I had a transaction of XXXX dollars from XXXX whose date was changed by Wells Fargo. The transaction was not processed by Wells Fargo until XX/XX/2016 after a direct deposit had been made and it is still being processed by XXXX. However, Wells Fargo changed the transaction date from XX/XX/2016 to XX/XX/2016 the in order to charge me an overdraft fee. When I called them, they told me that Wells Fargo was only allowed to reimburse me XXXX out of the XXXX dollars of overdraft fee. This is not the first time, this kind of issues has happened. I have had it with this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (IN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX, XXXX i wrote a dispute letter asking for validation of this debt ( see attachments # 1 & 2 ). XXXXXXXX XXXX wrote back on XXXX XXXX, XXXX ( see attachment # 3 ) stating i can get in contact with them via email @ XXXXXXXXXXXX ; they also requested information on attachment # 3. I wrote them back on XXXX XXXX, XXXX via email sending them the original dispute letter plus a debt settlement letter ( see attachment # 4 ). XXXX Fund/navient wrote back the following XXXX XXXX XXXX to me Thanks for your recent e-mail regarding your student loan ( s ). This auto response provides confirmation your message has been received. We are examining the issue ( s ) raised in your message. Please allow up to 10 calendar days for any requests requiring a response. If you need immediate assistance, you may call our office toll free at XXXX. 



Thank you, Post Claims Assistance XXXX, XXXX. 

It 's been passed 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Medical debt) with ARC Management Group, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today I received an alert from my credit monitoring services and saw that a medical debt for {$81.00} was added to my XXXX report. I have never received any communication from the original creditor XXXX XXXX XXXX nor have I received any communication from the collection agency ARC Management. I have never been a patient at XXXX XXXX XXXX and I do not understand why this was added to my credit report. By law the debt collector was required to submit a initial communication regarding this alleged debt to allow it to be disputed if not valid. This debt is not valid and is not my debt. XXXX has caused an adverse affect on my credit worthiness by adding this alleged debt to my report from a hospital I have never been to or heard of. This alleged debt shows opened in XXXX XXXX. I contacted the XXXX XXXX XXXX and they could not find any information regarding the alleged debt. XXXX should not be allowed to add any alleged debt to a persons consumer reports without proper validation and verification. They are not abiding by the FDCP laws that protect consumers against unlawful collection of consumer debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NY).
Issue: Managing the loan or lease

Complaint: Loan was a paid off and it is showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to acquire validation of the debt the company is attempting to collect, however, the company has failed to provide the needed documentation. Despite not sending the documentation they have continued to report the information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Im constantly being thrown in forbearance not given the opportunity to do deferment my loans are too high im umemployed and i not given the correct Information. The customer service is horrible cant get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.

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 08/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient wants to sign me up for a new payment program, but will not give me any information in writing about the program. Everything needs to be over the phone, which does n't allow me to keep track of what they tell me and how my payments will be handled. We have submitted all of the documents that have been requested of us to Navient. I have requested information on the next steps over email. All I am told is that I need to call the office. This gives me no control over what they say or tell me, or how I am supposed to prove what they say and tell me at a later date. I have already received conflicting information about my account when I called their office the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Payday loan () with CASHCALL, INC. (CA).
Issue: Payment to acct not credited

Complaint: I acquired a Cash Call loan for a XXXX time in XXXX 2011. When I was diagnosed with a XXXX XXXX and off from work I tried to work with them on deferring the loan for a brief period while I recovered. They were not willing to work with me and forwarded my account to multiple collection agencies. I contacted Cash Call after receiving an offer from a XXXX party company working on their behalf to confirm that after paying off the loan all Cash Call adverse info would be removed from my credit profiles. Upon receiving confirmation from a Cash Call rep I paid the XXXX party collection company and received proof of payment and a letter stating the info would be removed. To date, the information has not been removed. I have attached correspondence from XXXX party agency, XXXX who collected my funds, proof of payment withdrawals made from my XXXX XXXX account, as well as the new collection company XXXX XXXX XXXX who refuses to believe I paid another company. 
My husband took out his own account and the legal documents the new company is reporting has both of our names listed on a judgment submission. I should not be associated with my husbands account, this may be the account being reported. If this is the case, it 's not even my account. They are holding me accountable for his bill when I have already paid my balance off. This is also unethical and I believe this does not fall under the Fair Credit Guidelines.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I currently have a vehicle loan with M & T Bank for my 2012 XXXX XXXX. Due to some unforeseen circumstances, my autopay was kicked back and I missed 3 monthly payments. My car was repossessed and since the morning it was taken, I 've been trying to make a payment to get it back. First I was told that the bank had n't received confirmation of repo and they would call me when they did ; that call never came. I called to get a balance due, including repo fees and still they had no definitive balance. Again, I awaited a call back that never came. Since then, I have called more than 10 times in the last 3 days to no avail. Now the bank is claiming that they can not give me an amount until they have the title of the vehicle because they are the lien holder. I do not have the title, it was registered with the state of Florida upon purchase and the bank is in fact listed as the lien holder. My vehicle has been moved to an auction house and I have yet to get any solid information on how, when, or where I can get my vehicle. I have the money to pay but this is absolutely ridiculous. Every time I call, I get told I ca n't be given a payment amount because if I bring the account up to date, they have to return my vehicle and they do n't want to do that in fear that I may sell it and they lose their money. I 've had this vehicle for 4 years now with no intention on selling. I purchased it with my hard earned, XXXX XXXX XXXX XXXX paychecks and to be toyed with is absolutely embarrassing and disappointing. To add insult to injury, the late fees assessed by this bank exceed the past due amount and have been dragged from a previous late payment and increased each month. I also am expected to pay the storage fees for days my vehicle was at the repo facility because the bank failed to request the balance and relay it to me in a timely manner. This is outrageous and unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a credit change alert on my credit file. I called transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as General Revenue Corp. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and General Revenue Corp needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.

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 05-02-2017 about Debt collection (Other debt) with National Collection Systems, Inc. (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On  XXXX  I was transferred a call from a coworker and it was  XXXX  with  National Credit  management. I asked that she do not contact me at my employers number and she said okay. I then called again on  XXXX  to confir m NCM  will not call my work number again. The gentleman informed me the number was removed and this will not happen again. However again on  XXXX   XXXX  at  XXXX  I received another call on my work number from  National Credit Management. I again called and then sa id it was removed AGAIN.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, Transunion and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.

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 03-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I made a {$4500.00} payment to my XXXX XXXX Master Card, issued by Synchrony Bank. This payment was made via the internet. The disclaimer I received at that time stated that the payment may take 24 to 48 hours to process, no other warning.

On XX/XX/XXXX I attempted to use my card and it was declined. I kept checking my account, as I was then on vacation and needed to use the credit card.

I checked my checking account and the money had been removed from my account on XX/XX/XXXX and that Synchrony Bank had received the money on XX/XX/XXXX, but had not yet credited my account.

On XX/XX/XXXX I called Synchrony bank and was told that indeed they had received my payment but that the credit had not been applied to my card yet and would not for up to 2 business weeks because it was considered a large payment. I was told that this information was in my account terms and conditions. I explained that I needed to use this card for my upcoming vacation and was told that nothing could be done.

I searched in my terms and conditions and was not able any statement referring to " large payments '' or special handling of such. There was nothing stated about extensive delays in crediting payments.

I called Synchrony Bank again on XX/XX/XXXX and was told that I might be " kiting a payment '', even though the money had been withdrawn from my account and credited to theirs for 7 days by that time.

I also charged a vacation for my son on that card specifically because they were offering a rebate on vacation charges. It was in total a {$5000.00} trip but when I enquired about the rebate I was told it was illegible for some strange reason.

I have never had this experience with any other credit card company, and have made similar large payments to them.

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