milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX    XXXX   we contacted  XXXX   XXXX  to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager  of the local office,  XXXX   XXXX  got involved he personally had technicians come out and get our services up and running. This took a total  of 7-8 wee ks of frustration and consistent calling on our behalf to get it done.      XXXX  gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all.     They are attempting to collect the " outstanding balance '' and uses  XXXX  to come after us for it. After we detailed the trouble we had the first two months with  XXXX  they refused to continue collection efforts.  XXXX  now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage that was originated through Countrywide Financial XX/XX/XXXX. This mortgage was sold off to Bank of America when countrywide went out of business XX/XX/XXXX. Bank of America then sold my mortgage to a loan servicer by the name of XXXX XX/XX/XXXX. The problem is that I am being reported as having a late payment history by both Bank of America and XXXX congruently, on all XXXX major credit reports. This is incorrect information as obviously I did not have the same mortgage open with XXXX different lenders at the same time. Any mortgage repsonsibilities to Bank of America have exceeded the 7 year limit for credit reporting. Therefore, I request that Bank of America be removed from my credit reports with all XXXX agencies.

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 03-02-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I never received any type of debt notice. I only found out once the current tenants in my old residence saw me and gave me information from lawyers that said a lawsuit had been filed. I also made multiple attempts to contact them and have received nothing in return from them. 
I only found the website from receiving those correspondences, and per the legal documents they are trying to take triple the amount that is owed. They are stating I owe {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed XXXX XXXX Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX hit me with a hard inquiry I never did any requesting with them on XX/XX/XXXX so I am unsure as to why this is on my account this is fraud.

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 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX, I sent a letter to Experian asking them to investigate mistakes on my credit report They are supposed to respond in XXXX days, but I have received no response from them. I have sent follow-up letters asking for my investigation results, but still have received not response from this agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage with Nationstar Mortgage. They gave a XXXX day payoff to my new lender. During the XXXX day period, Nationstar paid the city and county taxes, which were not due until XXXX, 2015. This caused the payoff to be incorrect. Instead of notifying anyone, Nationstar put the monies that was wired to them into a suspense account. I called to make sure the loan was paid off and after about three days of research, Nationstar found the problem. I immediately offered to pay a payment but was told by XXXX different people from Nationstar that this would only complicate the issue. I was assured this would not reflect on my credit in anyway. On XXXX/XXXX/2015 after extensive conversations with my new lender, Nationstar returned the funds to XXXX who then paid the corrected payoff onXX/XX/2015 after substantiating that the wire from Nationstar had cleared. I want allnegative reports regarding past due payments on my loan from Nationstar removed immediately. I did exactly as the represenatives from Nationstar directed me to do. I also paid interest on XXXX loans while my monies set in a suspence account in Nationstar Mortgage account as well as late fees. My credit has been adversely affected because of the actions of Nationstar Mortgage. The representative from Nationstar Mortgage, XXXX XXXX, XXXXXXXXXXXX, agreed to take care of this matter. but has failed to do the appropriate steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXXXXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used twice to apply for a Kohl's/ Cap One account. The first time XX/XX/XXXX and the second time XX/XX/XXXX. A formal dispute was mailed to Kohl's/ Cap One fraud department XX/XX/XXXX concerning these fraudulent inquiries however as of this date Kohl 's has not responded as is their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I first e-mailed the Bank of America for a payoff amount on my mortgage on XXXX XXXX, 2017. Although this generated a reply that my e-mail would be answered within two days, I received no reply. I again e-mailed on XXXX XXXX, and again received no reply. I called on XXXX XXXX and received an automated replay that the payoff would be {$18000.00}, and also received a telephonic message that I would have to call and stop automatic payments. The automated phone line would not accept the instruction after hours. I called, I called on XXXX XXXX, waited over twenty minutes to contact someone, asked for a payoff now for XXXX XXXX and was told a letter would be sent. I also was asked to remain on hold while the operator transfer me to someone who could stop the automatic payments. 

I transferred the payoff amount as of XXXX XXXX, but the bank ignored it as a payoff and applied it as a regular payment, deducting an escrow amount and leaving the automatic payment scheduled. I called to get this corrected on the XXXX but was placed on perpetual hold. The bank is misapplying my mortgage payoff and THERE IS NO WAY TO CONTACT THEM. THEY LIST A PHONE NUMBER. AFTER YOU GO THROUGH THEIR SELECTIONS AND ASK FOR AN OPERATOR, THEY PLACE YOU ON PERPETUAL HOLD. THEY DO NOT REPLY TO E-MAILS. THEY HAVE MISAPPLIED MY MORTGAGE PAYOFF WHICH WILL DELAY MY PAYOFF DOCUMENTS, WHICH I NEED, AND THERE IS NO WAY TO TELL THEM SO. I WAITED OVER HALF AN HOUR TO BE CONNECTED TO A PERSON AND LISTED TO " YOUR CALL IS IMPORTANT TO US. WE 'LL BE WITH YOU MOMENTARILY. '' I LISTENED TO THIS FOR 31 MINUTES AND CHECKED FOR A REPLY TO MY E-MAIL EVERY DAY SINCE.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Consumer Financial Protection Bureau, I mailed a letter on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX, Transunion, and XXXX requesting to correctly report the balance amount on my account based on the copy of the letter sent to my by XXXX XXXX XXXX in XXXX and XXXX XXXX. I received a letter from all four companies in XXXX XXXX that the account balance amount is correct and will not be changed. 
Thank you. 
Concerned Customer

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 01/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: CFPB, Can someone from the CFPB please tell me why it is OK for Transunion to obfuscate the ability to create a free XXXX fraud alert? I 've spent 30 minutes on the site trying to find it and it 's nowhere to be found. I do n't believe that follows the spirit of the requirement to provide this service. Please have Transunion, like the other XXXX reporting bureaus, place a clearly identified link to the free 90 day fraud alerts on their home page. This is not rocket science and CFPB should have this kind of a consumer friendly check as part of their regular monitoring of these agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EQUIFAX is in violation of Fair Credit Reporting Practices by not verifying the contracts submitted to be reporeted. This is in Violation of Section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They continue to call my house daily even though it is my daughter who owes the debt. She is not here, and I am not paying her debt for her. I want them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my wife at work after I told them to stop calling me, failed to provide proof of debt, placed their bad information on my credit report therefore damaging my credit, and call repeatedly from various numbers after I have blocked previous numbers. 

The list of things they do goes on and on but this is enough. After searching XXXX, this seems to be a common practice of this company. Also, refused to tell me who they were and why they were calling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Good morning, I write this complaint with anger that had built up since I started speaking with employees from FedLoan. I filed chapter XXXX bankruptcy XX/XX/2012 and my student loans show as they were included in my bankruptcy but they were n't. My bankruptcy was discharged recently and on my credit report my student loans show included in bankruptcy but also show as a XXXX which I 'm being told is default status. I 'm trying to purchase a home and if it 's in default I 'm not able to. I spoke to XXXX # XXXX on XX/XX/XXXX and uploaded my discharge letter and a personal letter from myself and she advised me I would receive a default clearance letter in my email by Monday XX/XX/XXXX and the bankruptcy status would change in 7-10 business days I never received the letter and I called in XX/XX/XXXX and spoke to XXXX # XXXX and she said I will receive the default clearance letter by XX/XX/XXXX. I called back to confirm that information on XX/XX/XXXX and spoke with XXXX # XXXX and was transferred to supervisor XXXX # XXXX who then told me they ca n't tell me what day I will receive it nor can she tell me how long it would take to receive it. She was not helpful and did not put forth any effort to assist me and I 'm sure she could see all the notes on the account. Yesterday was XX/XX/XXXX and I did n't receive anything in my email, I called in and spoke to XXXX # XXXX who read the notes on the account and immediately gave me attitude saying well the supervisor told you it takes ex amount of days. I explained to him that I do n't care what she noted on the account because she would n't provide me with a date nor a timeframe and he told me everything should be done within 7-10 business days and I said so I should have it by XX/XX/XXXX then and he said the process takes 7-10 business days so it should be by XX/XX/XXXX. I 've been given the runaround ever since I have been calling and no one is on the same page and I should 've received the letter by now and no one can tell me why I have n't received it from the first request. I 'm disappointed in the service that I received from everyone thus far. I need my letter so I can purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called AES in XXXX, after be devastated by XXXX XXXX in Florida. I was told, I would be granted a three month disaster forebearance, Later, I received a letter stating I would owe in XXXX. After calling AES, the story changed, I was told they would have file paper work with XXXX to request a forebereance. Now, I am being told that I will have to pay {$460.00} on XXXX XXXX, to keep current. 
This information should have been explained in detail with my first phone call. I have {$5600.00} deductible which I have to pay first before my roof is replaced. XXXX, has only offered me a loan, for which I was denied. I ca n't see why XXXX refuses to help in the time of disaster and or why AES can never relays correct information. AES loves to say the calls are recorded for training purposes, pull the tape and listen. I can not afford this payment and replace all that was lost in the storm. My roof was destroyed, along with my garage, and water damage.I am single parent working on a teachers salary, apparently to be a victim of disaster means nothing to XXXX.Who is only concerned about money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: National Credit Systems Inc is reporting on my credit report that I owe them {$3400.00}, when I first researched the company I notice for XXXX they are not authorized to collect debt in my state of Arizona. Secondly, I have no obligation to pay them and I have no contract with National Credit Systems Inc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with U.S. BANCORP (WI).
Issue: Other

Complaint: U.S. Bank reports my credit card account as OPEN to credit reporting agencies, although it has been closed for the long time. I have contacted USB multiple times in the last 2 months and disputed the status XXXX. Each time USB representatives confirm that the account is in the CLOSED status. As a matter of fact, I have a letter from USB, dated XX/XX/2015, confirming that the account is CLOSED. But USB continues to be reported as OPEN.That dramatically brings down my credit score. I have disputed this account with CFPB before and USB responded by asking me for my identifying information ( which, obviously, does not address the issue whatsoever ). Because I have not received any resolution, and I have called CFPB today to see what I should do, I have been advised to refile a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XX/XX/XXXX this is unauthorized and its affecting me getting credit i never applied for anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.

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 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Have faxed information several times to Equifax dept of consumer affairs and they keep stating that they have not received my forms for ssn and utility bill but have received my disputes. this initial began on XX/XX/XXXX/17 and I was told I could not get a copy of my credit report until they received this information. Well I received a copy of my credit report. They are stating information is missing from the SSA 85 form which is their address. I corrected the information and faxed it over the last 2 weeks and they receive the other pages in the fax but not these forms. I believe someone is taking the forms out. I just want to take the fraud alert off and have my inquires and disputes taken off my credit report and they are n't allowing me to do this. if I mail the form I believe they are going to state they have n't received that as well please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: sharing my information illegally ( 3rd party )

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Great Lake, the loan servicer, for Acct ID XXXX, has been charging and expecting interest payments for a Parent Plus Loan they I have that is for a daughter the is in her XXXX year of college. 
It was my understanding that with this loan, I would not be REQUIRED to make payments until my daughter was SIX MONTHS out of college. 
My credit report has been attached with Late Payment mis-information because of this. 
My husband had the same issue/problem with Fed Loan Servicing, but they finally backed off and issued a deferment. 
This issue needs to be clarified and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX ID # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation