milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2014 I received several letters stating that a debt I had with XXXX went to collections. I have no accounts with XXXX so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called XXXX which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX is showing an outstanding debt that was not ours. We have resolved it with XXXX, however it is still showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: NCB Mangement Services , Inc. has harassed me and my employer since XXXX calling after day four to five times a day. Calling my grown children on their cell phones and on XXXX XXXX, 2017 called one of my children at work and got him in trouble because he is not to have phone calls at work, he has told him number of times to quit calling him and in the phone call of XXXX XXXX, 2017 the person from NCB Management told him that he was a debt collector and was trying to collect a debt that I have. I have mailed them today a letter asking them to stop calling my employer, my children cell phones and call my children on their job sent it return receipt. They have my number and my address this debt does not belong to them they call them everyday and leave phone mails to the point of harassing them for something that does not involve my children

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I obtained a loan from Tower Loan on XXXX for the amount of {$2500.00} for funiture that my son needed. 
My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated XXXX XXXX, XXXX and there were no late payments reported on that credit report. 
I started receiving calls from Tower Loan representatives in XXXX, XXXX threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could possibly be emergencies from family members. Since I did n't recognize the numbers that called, I would answer. ALL of the representatives from Tower Loan have been abusive and agressive in their communication with me. One representative imparticular told me he pulled my credit and that it looked like I was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. 
First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. 
I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. 
I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. 
Thank you for your time

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 09/14/2017 about Debt collection (Mortgage debt) with NCC Business Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX & XXXX XXXX I communicated with the original creditor. That creditor said the debt was null and void due to change of management in the apartment complex and misappropriation of money. I sent that email to all 3 credit bureaus. The debt was removed from 1 but re-added without notifying me. I would like this debt removed from all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I remit a payment by paper check to ECSI, the student loan servicer for Perkins loans issued by the University XXXX, I indicate on the check and on the remittance stub that the proceeds of the check are to be applied to the current month 's payment as well as to the next month ( s ) payment. For example, if the monthly payment amount is {$43.00}, then I will write a check for {$86.00}, and will clearly indicate on the face of the check and on the remittance stub that the payment is for the current month and the next month ( e.g. XX/XX/2016 and XX/XX/2016 ). However, ECSI does not apply the payments correctly. Instead, they apply the full balance to satisfy the current month 's obligation and apply the remainder to reduce the principal balance. They then fail to apply a payment for the next month and assess a late fee for a missed payment. ECSI then sends out a billing statement that indicates that the account is past due, that a late fee has been assessed, and that the account will be reported as delinquent to the credit bureaus. Upon contacting ECSI to resolve the issue, I am routinely informed by their customer service supervisors that their current payment application system can not accommodate such requests by borrowers to apply payments across multiple months. They often agree to waive the late fees as a " courtesy, '' but can be quite rude during the whole process. Moreover, when I request documentation regarding how payments are applied and documentation regarding the credit reporting status for the account, the customer service supervisors refuse to provide the information and instead state on the phone that the fees were waived and there are no issues that would require them to send documents. 
ECSI routinely refuses to apply payments as requested, and knowingly and willingly violates the wishes and clear intentions of borrowers making payments. They do not allow borrowers to prepay on accounts, and instead assess late fees and threaten borrowers with negative credit reporting despite the fact that the borrower 's account should be and is current. In order to have payments reapplied correctly, I have had to call them and be subject to the intimidating and harassing tone of supervisors who only reluctantly correct account servicing errors such as those described above.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/2016 I noticed that there was a collection of debt posted on my credit report ( XXXX ) reported by American Medical Collection Agency,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX as on XXXX. I did not receive any kind of notice for this debt collection agency.Upon calling the collection agency at XXXX and checking about this, they agreed and confirmed that they had a bad address on file and the status of the notice sent was " undeliveable/not delivered ''. Since this was a mistake on the agency side I requested them to report removal of this collection debt to the credit bureaus, which they initially disagreed to do so. Meanwhile I had applied for an Auto loan/lease on XXXX/XXXX/XXXX which did n't get approved initially as I didnt have the Credit score that are they looking for. I had to provide additional documentation references etc to support the credit application but still my rate of interest went up. I could n't get the price that was initially agreed upon just because of my credit score which was affected badly by the reporting of American Medical Collection Agency. After repeated calls and I informed them that I will initiate a legal action for no-notice and reporting by which creating negative impacts on my credit score and history. Then they agreed and accepted to remove it so that they dont face a legal action. On XXXX/XXXX/2016 they agreed to me to provide a documentation stating the reason for the removal of this debt collection from my credit report, which is being denied now. Because of all these troubles, confusions and issues, I got hit XXXX points on my credit report XXXX XXXX to XXXX XXXX which caused a loss of more than {$1000.00} in the pricing of the deal, additional documentation, time and immense XXXX. So I request the Consumer Financial Protection Bureau to take action against this agency and direct them to provide the information and documentation i.e reason for removal of debt collection which I requested as I stated earlier. Also direct them to compensate my loss appropriately which was caused by their mistake of no-notice and having a bad address. Also I have attached the copy of Credit report stating the removal of the Debt Collection record by American Medical Collection Agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (AL).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a {$5.00} charge on my XXXX. This was made by PAYPal. I do not have a PAYPAL ACCOUNT AND NEVER HAVE had one. I have tried to contact paypal but they wont me to login to my account, I cant do that because I dont have a PAYPAL account. If someone opened a account in my name they could take all the funds from my visa green dot card. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Shopping for a loan or lease

Complaint: CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (I do not know) with Omega RMS, LLC (NV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: OMEGA RMS LLC , continues to use  alias o f my name to continue a collection that was settled on  XX/XX/2016    with another company representing   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX  just sent another letters stating account has been paid in full but if disputed the account will be reopened.     First : thing the name is incorrect  XXXX  not my name spelling.   Second :  Letter is  an UN-officall letter and an poorly attempt to reactivate account by committing a illegal predatory and purposely done I will consider this an act of fraud. I will be seeking any Criminal Avenues open to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I proceeded with the steps at XXXX to get my free credit report from transunion. After I entered all my information I was met with this : " We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' The number has an impossibly long system ... and I never receive my report. Also not having access online makes everything a time consuming struggle. Theres no way of regaining access to my free credit report online and I firmly believe that denying me this access is equivalent to denying me access to my 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 09/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I have an online bank account with XXXX, I use this for my high yield savings account. I also have an account with Chase Bank. My husband and I were in the process of buying a house & needed transfer XXXX to the Chase account so we could initiate a wire transfer. When I attempted to do this, I found that Chase would not accept the money because they needed to " verify that I had funds in the external account ''. Soon after this a block was put on my account & I could n't access my account online. I was told I had to go into to a branch to verify my identity. After I did this, I was assured this would n't happen again, but it did. I had been looking for a motorcycle & found XXXX! All I needed to do was transfer the money to chase so I could get a money order. Well, Chase once again apparently thought I was trying to commit fraud & put a hold on my account! I was told again that I have to go into a branch to verify my identity, ( I was just in a branch earlier same morning ). Meanwhile, nobody will tell me why my account has been blocked! They just treat me like I 'm a criminal & tell me I need to go into a branch to verify my identity! My dream motorcycle may be sold to someone else simply because Chase wo n't accept a transfer! It 's as if Chase does n't like what I 'm doing with my money! It 's my XXXX money! Why am I being treated like a criminal for simply attempting to transfer money TO my Chase account?! I will be closing this account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015, Wells Fargo had my checking account available balance listed as {$670.00}. I withdrew {$500.00} from the account, which left a balance of {$170.00}. The receipt generated after my withdrawal showed the available balance as {$170.00}. The next day, it was clear that Wells Fargo incorrectly listed my available balance too high and a downward adjustment was made. The lower balance appears to be correct. However, I was charged a {$35.00} overdraft fee for the ATM withdrawal. I should not be penalized {$35.00} fee because Wells Fargo incorrectly listed my available balance as too high. At the time of the withdrawal, there were no pending transactions that would bring the available balance down. As a result, it 's clear that Wells Fargo incorrectly calculated my available balance. The receipt generated after the ATM withdrawal in question will show a positive balance before and after the withdrawal. I ask that the {$35.00} fee be returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I am deeply troubled by WellsFargos unannounced reversal of previously approved accounts qualified for waving fees but then, aft er two months, WellsFargo silently disavowed the previously qualified accounts and applied service fees Did the WellsFargo Banker and her manager violate  an internal business rule setting up the PMA account in  XXXX  at the outset?      Does WellsFargo promote a culture of allowing banking officers to waive fees manually or improperly represent fees to be waived, knowing that WellsFargo quarte rly audits would re-apply those fees silently?     Is  WellsFargo employing a workforce of under-trained bankers with the strategic idea that they are unencumbered to sell products and that customers like me have to discover and take action on WellsFargos sile nt reversals?

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 07-02-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls from various numbers, early and late calls and even on Sundays, calling multiple times in a row, tried to call back the number a few times got no answer, often call with just " Unavailable '' on the ID so we ca n't tell who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding LLC is still sending in to the credit report  XXXX  times this last year. We already have paid them off as of the first part of   XXXX  . But they keep putting that we owe  XXXX . We have paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an attempt to take me to court by XXXX XXXX but I do not know if the account is true.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Resource Systems, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I received an XXXX credit report, through a paid credit monitoring account I have with them, showing a debt in collection through United Resources Systems, XXXX XXXX XXXX XXXX, XXXX, CO. I disputed the debt and the collector could n't verify it was owed so it was removed. In XXXX XXXX I ordered my XXXX annual bureau reports and found XXXX and XXXX also had the collection listed by them so I filed disputes with them around XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX reported the creditor could n't verify debt owed and it was removed from my report. XXXX XXXX, XXXX XXXX reported that the collector had in fact verified that I was responsible for the debt and the collection would remain on their credit report for me. XXXX also said they could n't furnish me any documents from the dispute and they did not investigate but went by what the collector supplied to them. I was told to contact the collector for documents when I asked how could a collector not be able to verify a debt with XXXX bureaus but was able to verify with XXXX. I contacted the collection agency after receiving those documents to tell it the information sent from the company they were representing, XXXX XXXX, was false. The company is a former employer that is trying to represent travel expenses as a personal loan to me. I sent the collector copies of receipts beginning with a rental car receipt from XXXX XXXX, XXXX, paid for by XXXX XXXX to XXXX XXXX, XXXX. I included taxi, hotel and fuel receipts showing what I was reimbursed for and my bank statements showing the sums being deposited to my account. The former employer is claiming the final receipts I submitted on XXXX XXXX, XXXX were a loan instead of travel expenses as retaliation for choosing to end my employment that day because after spending over 20 days in FL hotels after they sent me to get a vehicle from a shop, and it ended right back in the shop the next day in a hotel they paid for in XXXX FL for about 3 days, and then the day after it left that shop it ended up in another shop in the XXXX FL area, leaving me in another hotel for until XXXX 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 08/15/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Select Port Folio is my mortgage company, I have submitted financials and request for mortgage modification several time over the past few years. 
SPS has n't assisted me with my modification request. I 've spoken with Client services several times. I 'm informed I 've been mailed correspondence regarding the modification and I have n't received any correspondence. 
I do receive the property foreclosure sale notices. Please assist me with obtaining obtaining a mortgage modification. Received foreclosure letters from attorney Per the statue Tennessee code annotated homeowner is suppose to receive proper notice 30 days prior to foreclosure. 
prior to foreclosure sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All three XXXX bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.

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