milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not XXXX XXXX into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Dear Ad Astra, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. 

thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. 

Regards, XXXX XXXX CC Attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Other financial service (Debt settlement) with Premier Student Loan Center (NH).
Issue: Excessive fees

Complaint: I received a call from  XXXX   XXXX  of Premier Student Loan Center explaining that his company could reduce my student loan debt through debt consolidation. I explained that I had never qualified for a program like this as I and my husband make too much money.  XXXX  went on to explain that because it was my loan and not my husband 's loan we would not be including my husband 's income in the qualifying process. I found this to be suspicious, however I went along with it anyway as my loan debt is high. After a few days I spoke to  XXXX  who is the company that is taking care of my student loan debt and I have had a payment agreement with them since  XX/XX/XXXX . A rep from their office said the combined income should always be taken into consideration when qualifying for any program such as theirs or the one that  XXXX  was attempting to qualify me for. Otherwise, I would need to file my tax return separately for my husband 's which I would never consider doing.  XXXX   XXXX  submitted a repayment plan to  XXXX  that was noted as a Suspicious Application as it states that my husband and I do not file taxes jointly and that my husband 's tax information is unavailable. This is false. We file jointly and my husbands tax information is always available to me. He is   XXXX    and I have access to his  XXXX ,  XXXX  and all other pertinent tax information. When I told  XXXX  that I was withdrawing from the " program '' he set up for me after I was approved, he said no further payments would be taken from my checking account, however I would not be refunded the {$290.00} that was taken out on  XX/XX/XXXX  as this was for processing fees and did not even go towards paying the loan. I informed him that I would demand my money back due to the fact that it was owed to me. These programs can be misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter dated  XXXX / XXXX /2017 from CCI Contract Callers Inc. regarding referenced account  XXXX . However upon calling into the organization regarding this supposedly ( unpaid debt ) I came to find out this is a fraudulent claim after speaking with representative  XXXX  on  XXXX / XXXX /2017   XXXX   XXXX   Arizona time. After reviewing online regarding (   XXXX   XXXX   ) the supposedly original account holder. This has been reported to various other organizations as a scam with thousands of other people receiving a letter from a debt collection agency for the SAME exact amount.   XXXX   XXXX   has neither direct website nor phone number to contact the company itself. If you  XXXX    XXXX   XXXX   you will find the other thousands of complaints and reports of this fraudulent debt. We have never done business with this organization nor EVER ordered from this ( fake & fraudulent ) company. Having said all of this we are asking and hoping CFBP and assist us with getting this corrected. Per   XXXX   we are to mail a letter to them stating this is fraud. However we want to make sure this company processes this in the correct manner. We also want CFBP to know of this as it happening to thousands of other hard working Americans. The letter mailed to me has been attached for review and to make it easier to contact this particular collection agency. I have covered my personal info ( Name and address ) for protection purposes. The file number  XXXX  will pull the account with their institution.

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 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bay View Loan services is my mortgage company. They have not paid my property taxes and now my taxes are up for sale as of XX/XX/XXXX. I called the company several times and its not being resolved. I obviously do not have the money to pay these taxes because they have it. I am not sure what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not understand that I owe any Debt to the University ... I never attended any courses online.. The School needed at least 2 Months to get me in the Class and I declined ... .It never got that far ... I returned the books they sent out and never matriculated into anything with this university. Why is there a bebt on my credit report for this University. I have no start date and no end date with this School. So can they remove my so called debt from this credit report? 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have an Ashley Furniture credit card ; there 's been a pending charge to my card since   XXXX  2016    from a store ; which no one seems to know or ca n't locate. I reside in  XXXX , I 've always paid cash for my purchases at this store ; yet they provided me the store phone number. I humored myself and made the call to hear, what I already knew.  I spent two hours on the phone on a Sunday and Monday ; trying to fix this situation ; yet 6 months later with still this pending charge ; 1 month continuously trying to rectify this situation. I 've had to call numerous store ; which the customer represent constantly, rude or tell me where I to need to call.  Then I had to call Colorado and that the represent was rude and told me their store does n't handle fraud. I 'm continuously, going around in circles, if I close the account it becomes as a negative mark against me. Which I contacted to cancel the card since I ca n't get it straight, now I ca n't close because I have a pending charge. Which on my statement I do n't have a balance ; what is the time frame a consumer has to whole this so-call pending charge on my account. Why is n't red flags against my acco unt for this. Wonder, why fraud is on the rise.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX XXXX, and Experian. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

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 09/24/2017 about Debt collection (Medical debt) with Professional Recovery Management (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX Fox Collection Center reports to have a collection account dated XXXX in the amount of {$160.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Anderson and Associates Credit Services, LLC (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In the XX/XX/2016 I retained the services of a pest control company, XXXX XXXX XXXX for fleas and sugar ants in a home I had recently moved into. The services, for which they charged {$350.00} did not resolve the problem. My husband was to contact them, and he failed to do so, which I only recently learned when I had a negative report on my XXXX credit report. XXXX retained a collection agency XXXX XXXX, XXXX XXXX XXXX XXXX Oregon XXXX United States Phone : XXXX. When I attempted to discuss the situation with XXXX of their representatives who claimed to be the owner, he would not listen to me, repeated interrupted me, despite my repeatedly asking him to listen, quickly began speaking in a loud and condescending voice, attempted to tell me that I was n't qualified to determine that the services did not work, and then threatened to sue me for {$350.00} by taking me to small claims court. When I told him that was ridiculous he said we do it all the time. it only costs us {$83.00} to sue someone and I would be happy to sue you. Then when I asked him to be reasonable and attempt to reach a compromise, he refused and stated that my only option was to pay the bill. When I asked him if he would then remove the negative report from XXXX, he again, very rudely refused. He hung up on me. I called back and asked to speak with someone else, he refused. When I again asked him to be reasonable and help me work toward a resolution in order to repair my credit he repeated that he would continue to consider taking me to small claims court. that " this was n't going to work. '' and then hung up on me again. I have called and emailed the pest control company and they also refuse to help or take ownership for the fact that their services did not work. I am requesting that a formal complaint be filed against XXXX XXXX and that this negative mark be removed from my credit report. I have never before spoken with such a hostile, unprofessional individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Our problem seems to be with Ditech billing system. AND COMMUNICATION! Since Ditech bought out our mortgage, we have been paying electronically and ALWAYS on time. For the last several months we have been notified that our payments have not been received and late fees charged. I have had numerous phone conversations with Ditech, validated the account number, the issue is apparently resolved, but the next month it continues all over again. I fear this will show up on our credit report and want it fixed. I finally had a conversation with a supervisor and she assured me she found the error - on their end, and it would be fixed within a few days. 
That was last week, and our statement is still indicating we have not paid and now no one will respond to our calls. I have bank statements to prove payments have been made, - on time, and cashed by Ditech. They seem to be purposefully not responding, this is just not acceptable. This is so frustrating, are you able to help?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I checked my credit report with XXXX and i noticed i have a collection accoutn being reported by XXXX XXXX XXXX I have no knowledge of this debt and i was not given a XXXX to dispute before this company placed it on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was unable to dispute these new claims online with Experien. I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does Experien make it difficult or impossible to dispute and access my credit report online using a free credit 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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 01/27/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am very concerned about a late payment that is still showing on my credit report fro my CITI card which I opened around XX/XX/XXXX. In XXXX or XXXX this card was fraudulently used at a gas station without my knowledge. I have not used this card before nor had I incurred any sort of balance that required my attention. I was very shocked and confused when I tried to lease a car and was told I had a recent late of 30 days showing on my credit report for XX/XX/XXXX. This was fraud and I called Citi and was assured by them that this was not my fault and the late that are showing on all three of my credit reports would be mended to show current and never late. I received a new card and have this card at home in a safe. Please, i need this awful late payment removed from my reports because I have a business and require my personal credit as collateral at times. I was not responsible for the late payment and the associates an date management assured me many times that the 3o day showing on the reports would be updated to show current/never late. 

Thank you, 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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this 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 03-01-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Woke up to find a joint acct I share with my daughter was overdrawn by {$4000.00}. Called Bank of America who informed me that collection agency had gotten a judge and they over drafted the acct to satisfy it. They also over drew my daughters saving which was at - {$15.00}. When asked to provide proof of judgement they just gave out a phone number for a law firm in XXXX ( XXXX and XXXX ) even though my daughter and I reside in XXXX. Neither the bank nor the lawyer can provide proof of debt, judgement, or any amounts paid on this acct. 
This was a car loan that defaulted but was being paid by wage garnishment. 
My daughter is XXXX XXXX XXXX and I am XXXX XXXX. We need an accurate accounting and proof of debt and judgement. We have never received any communication prior to the Bank of America taking funds that did no exist from XXXX acts and refusing to provide information.

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 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE BEEN APPLYING FOR MORTGAGE ASSISTANCE WITH MY SERVICER, BSI FINANCIAL. BSI HAS ASKED FOR THE SAME DOCUMENTS ON XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX, 2015. EACH TIME THE DOCUMENTS WERE SENT TO BSI. THE DOCUMENTS ARE : 2 MONTHS BANK STATEMENTS, XXXX MOST RECENT PAY STUBS, AND HOMEOWNER 'S DECLARATION PAGE. IN A LETTER DATE XXXX XXXX, 2015, BSI ASKS FOR THE SAME DOCUMENTS AGAIN THE LETTER IS ATTACHED. ON PAGE XXXX OF THE LETTER IS AN ADDRESS AND FAX NUMBER FOR XXXX, PA. ON PAGE XXXX IS THE ADDRESS AND FAX NUMBER FOR XXXX TEXAS . IN A PHONE CALL WITH BSI ON XXXX XXXX, 2015 AN ENTIRELY NEW FAX NUMBER WAS PROVIDED. BSI IS UNABLE TO PERFORM BASIC OFFICE FUNCTIONS AND ACCOUNT FOR DOCUMENTS THEY RECEIVE VIA FAX. WHAT THEY CAN DO, HOWEVER IS SCHEDULE FORECLOSURE SALES. BSI SENT A REPRESENTATIVE TO MY PROPERTY WHO POSTED A NOTICE OF TRUSTEE SALE WITH A FORECLOSURE SALE SCHEDULED FOR XXXX XXXX, 2015.

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