milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Creditor makes repeated calls to my cell phone number without my consent to contact me at cell phone number ( Telephone Consumer Protection Act ). These calls are made repeatedly, XXXX attempts in a row and have occurred past XXXX. 

I never gave consent to the creditor or affiliates to use my cell phone number to contact me for marketing, servicing or collections calls. 

I believe they are using an Auto-dialer because there is a menu when call is answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage servicer ( SPS ) that purchased my loan form XXXX does not provide a free method for their customers to make their monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a dispute online with Equifax on XX/XX/XXXX. I submitted proof that all inquiries on my credit report from XXXX XXXX were not accurate and I attached letters from XXXX XXXX advising that they should be removed. I received an email at XXXX on XX/XX/XXXX from Equifax investigations that the dispute was completed. When I went in using the Confirmation Number it gave me, no records were found. I then tried logging in via another web browser thinking perhaps it maybe was XXXX XXXX. To my shock again, they ca n't locate the dispute. I tried calling them at XXXX to be told that no representatives were available and to call back during normal hours. Mind you it was 5 minutes pass the time they state they are open! And switched to the automated system for the results only to be pushed BACK to the website. I have a confirmation page printed from Equifax 's site of my initial dispute, but NOW you ca n't find me? XXXX! This is a stall tactic and quite frankly I have had it up to my neck with Equifax so much as that I have now contacted an attorney. You ca n't not protect someone 's information with all of your ridiculous XXXX breaches. Then guide individuals to dispute inaccurate data and then and then you do n't even have the decency to do your XXXX job and investigate? You all are thieving, manipulative XXXX XXXX who surpass the line of incompetency that is mind boggling. You need to provide my XXXX results or be prepared to face me in court because I 'm tired!

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently found out that apparently I have either become a victim or identity theft or my file has merged with someone else or both. I have come to realize multiple concerns with regard to my report with Transunion. First off, my file shows multiple names that are not mine nor that close to mine. here are some of the variances ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX to which none are mine. I have also found that the majority of accounts, collections and inquiries that are reporting with Transunion are related to multiple addresses that I have never lived, for example XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX, XXXX just to name a few. 

Over the past couple of weeks I have called a total of four times, tried to dispute over the phone and online to no avail. I have also tried a total of XXXX times to upload my ID and bank statement for verification purposes and even faxed on 3 different occasions this past week also to no avail. I keep getting told that they never receive my documentation which makes it impossible to dispute erroneous information without anyone being able to verify my identity. 

At this juncture, I have quite a number of concerns ranging from personal contact information, tradelines, collections and inquiries that are in fact not mine yet are currently reporting under my si=ocial security number and date of birth. Additionally, I have a security freeze on my credit report ( unbenounced to me ) that also increases my inability to view, discuss and request changes to be made to my file. To date, I have had absolutely no traction with anyone in the Fraud or " Special Handeling '' departments that are willing to help me. I have already begun the process with the other reporting entities with some success. Where as I have yet to even be allowed to begin 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 non-monetary relief
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called XXXX. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid. Please remove it from the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Payday loan () with QC HOLDINGS INC (MO).
Issue: Can't contact lender

Complaint: Lender called my references and disclosed the fact I had a loan with their company. I had been unable to return calls to XXXX -QC FINANCIAL SERVICES due to my work schedule. Tried to call before and after my scheduled times, and they have no recorder. They called all my references and left a message they were looking for 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 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Information is missing from my credit report and that is ruining my ability to access credit. Their response to my enquiry is that they are 'unable to honour your request to place credit information into your personal credit report. ' So what do I do?

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 11-02-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (RI).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: it is the same complaint, againnothing ever gets done with Bank of AmericaI get a run around, and always gets sent a large service call centerI am told I am talking to the office of the president of Bank of Americathis is not true, it is a call centerI am told one person is handling my issues, that is not trueIt is the same run around time after timeI need real help. 

Bank of America does not want to resolve any issuesPlease get me to someone who actually can do what they say and is actually in authorityNot an underlings from a call center who has the purpose to stall delay and not do anything to helpXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/28/2015 about Debt collection (Payday loan) with Radius Global Solutions LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX/XXXX/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I sent a validation letter to the Phoenix Recovery Group requesting information on an account they claim I owe. They provided a respond in XXXX XXXX, 2015 to validation with an investigation of debt owed. They provided a contract of the original creditor along with a itemized sheet/description of charges. On XXXX XXXX, 2015 I responded by requesting additional information related to agency fees and additional fees. They have not provided a response to the XXXX XXXX, 2015 letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I phoned Quicken Loan Company in response to an extensive ad campaign that advertised HARP refinance, for which I know I am well-qualified. After three days, XXXX highly questionable sales people ( XXXX, XXXX, and XXXX ) not XXXX of them would talk to me about HARP refi. They tried very hard, with a ton of pressure, to sell me a program of their own with closing costs of $ XXXX. The technique is bait and switch, and I object to their failure to provide clear, factual information and their insistence on getting far too much personal information AND pulling a credit report before they would even discuss loans at all. They never did talk about HARP refi -- said the government charged them very high fees for those programs.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Apartment Lease ended - we provided 60 days notice as required by leasing agreement. Removed all personal items and clean the apartment and return all keys. 

Paid remaining balance to Landlord. Landlord sent an itemized bill. Attempted to obtain clarity, no resolve. Filed a civil suit in court and judgement for Defendant. Paid the amount of XXXX via Check. 

Called landlord and settled the amount owed and paid via check. 

Now - have collection agency call me about the same debt. 

Hunter Warfield ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2015 my wife and I were alerted by a Chase alert that we had a very low balance in our checking account. On calling back, a Chase representativeinformed us that Chase had already advanced us money to pay off these checks. The account was frozen. On going to a Chase branch on XXXX XXXX, 2015 we reviewed our account with the rep and noticed, besides the XXXX checks where someone fraudulently signed my name to people I do not know, a telephone transfer was made on XXXX XXXX which removed the money from the savings account and transferred the funds to our checking account. Neither my wife nor I authorized the transfer nor were we aware that the transfer occurred. The rep investigated further and found that the only information provided, which allowed the transfer to occur, were the routing and checking account numbers and our names. We are submitting this claim against Chase for allowing XXXX fraudulent checks to be cashed and a telephone transfer to occur without asking any security questions which my wife and I could have answered and the thief or thieves could not. We feel that if Chase had been more vigilant, and asked the right security questions, this fraud would never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management , Inc have consistently harassed me to XXXX paying a debt which I do not owe nor have any responsibilities for. They persistently and aggressively report on my credit profile an account which other credit collection companies in the past, long deemed erroneuos mistake ; and have appropriately deleted off my credit profile and adjusted correctly with the XXXX major credit bureaus in my favour. 

This account they continue to aggressively report on my profile monthly is hindering and encumbering my ability to secure any measurable career. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am trying to get XXXX to withdraw a tax lien from credit report. The amount was paid in XX/XX/XXXX and put on my credit report in XX/XX/XXXX. The XXXX years should be up soon but they are telling me that I have to wait until XX/XX/XXXX. I should only have to wait XXXX years from when I actually paid it. That is not right. I understand that they do not report to the credit bureaus however they can put in my in my public record that it has been withdrawn. At that time I can dispute it and get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called Navient on XXXX XXXX, 2015 around XXXX in order to discuss a possible payment plan for my private loans. A woman whose name was XXXX ( Employee # : XXXX ) agreed to assist me. During my call, I endured some of the worst customer service ever. XXXX was extremely rude to me, and she said if I was unhappy with her customer service skills, then " what I can do ... is pay these x amount of dollars so that I would n't even have to speak to her. '' Her tone was incredibly unprofessional, and while we were on the phone, I could hear her coworkers laughing in the background after every response. I know calls are typically monitored and recorded for quality assurance, but with her very nasty attitude, I fear she may have turned off the recorder before all of her rude comments/remarks ensued. When I addressed her unprofessionalism, she snidely asks " have you even worked in customer service? '' and I say " No, I have n't ; however, I have dealt with several customer service representatives, and I can assure you I was treated a lot better than you are treating me right now. '' Her response was that " if I did n't like the way I was speaking to her, then I could just give her a XXXX score in her customer service survey '' and that next time I call someone who is trying to " help me, '' then I need to make sure that I am " in a better mood. '' She spoke over me for much of the phone call and ultimately hung up on me after she spoke her peace. Never in my life have I been treated this way on a professional phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am an XXXX veteran. I received notification from the American Education Services/AES on XXXX XXXX XXXX, indicating my request for Direct Debit was approved on the following loans. My account number is XXXX. 

1 ) I was to pay {$35.00} a month for 160 months ( expected payoff XXXX/XXXX/XXXX ) on balance {$32000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest 2 ) I was to pay {$22.00} a month for 151 months ( expected payoff XXXX ) on balance {$20000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest I was also to pay an additional amount of {$66.00} for a total of {$120.00}. I have not missed a payment since the first payment was due on XXXX XXXX XXXXXXXX AES notified Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assume responsibility indicating I defaulted on the loan and that was not true. Apparently my current owner at the time was XXXX XXXX, which has been involved in misallocating student payments. PHEAA is demanding I pay the loan in full immediately. I have submitted documentation, my bank has submitted documentation to PHEAA indicating I have not missed a payment. I no longer have access to my student loans via AES or PHEAA. I was told I would have to refinance and I refused since I was complying with the payment plan. It appears, PHEAA refinanced my loans without my permission for a larger amount adding some type of fee. I continue to make payments via my credit union, these are automated payments. I have submitted several letters to PHEAA and they simply state I failed to submit the appropriate documentation and that is not try. I need assistance on this matter. I am not sure who or what company is behind this matter. Thank you~XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: I received a check from my aunt from a family trust account for {$7600.00}. I opened a new account with Chase Bank with this check. After three days, when these funds had not been posted to my account I had a bank officer contact their office and learned that they were holding the check to confirm that it was valid. I called my aunt, who contacted the XXXX XXXX Bank and confirmed that the check had cleared XXXX XXXX. When I had my local Chase Bank officer forward this info to their main office, they reported that they had tried to contact my aunt with no success. I then instructed the branch manager to close my account and return the funds. After two weeks I still have not received my funds, but Chase has closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 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: Account status incorrect

Complaint: Experian,  XXXX , and  XXXX  the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file. (  XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Section  616 and Section 617.

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 03-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: There are XXXX closed mortgage loans that are inaccurately reporting 30 day lates. According to the notes, payments were made within 30 days of due date. I 'm having difficulties reaching them by the phone number on credit report to an attempt correction. The XXXX creditors are as follows : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: XXXX I purchase a vehicle XXXX XXXX through XXXX XXXX payment $ XXXX monthly- XX/XX/XXXX- XXXX- inter into agreement with Santander Consumer USA- with a original loan amount $ XXXX- Stated principal balance $ XXXX- payment to Santander {$880.00} that I'had XXXX payment -with Santander.- XX/XX/XXXX - State I ' have XXXX payment to make to Santander- principal balance {$11000.00} -have stated I ' Continues have accrued interest $ XXXX My estimated payoff is {$30000.00} ' Santander Consumer USA - repay for truck over again- I request to Sandtander why they have n't given me credit my military credit I went over to XXXX work for 2 years- Fax my proof ' Sandtander have refinance my loan add me in to bad debt, I went into Bankruptcy just before I'went overseas XXXX/XXXX/XXXX payment was up to date- bankruptcy sent Sandtander {$790.00} each month until XX/XX/XXXX- I Continues payment 'making 2-payment in a month after bankruptcy $ XXXX- Standtander deferment granted-payment $ XXXX.- the problem I 'm having why would Sandtander refinance my loan adding 22 more month to 20 years total 62 yrs. Sandtander this XX/XX/XXXX not fair to me of military - this was not XXXX year loan..sandtander rather refinance than take off interest for 2 years XXXX. add GAP inurance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry on my report was not authorized

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 03/31/2016 about Student loan (Federal student loan servicing) with EdFinancial Services (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have not been provided with monthly statements ( emailed eStatements or physical mailed statements ) since XXXX 2015. I have no proof of payment history for the last 4 months and the lender is unwilling to provide me with any statements for that time period.

Company response to consumer: Closed with explanation