milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Debt collection (Mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, USAA FEDERAL SAVINGS BANK accepted {$5100.00} on my home equity loan account, as SETTLEMENT IN FULL, and released its lien on the property located at XXXX, XXXX CA. The Final HUD SETTLEMENT STATEMENT indicates a CLOSE DATE of XX/XX/XXXX, and a disbursement date of XX/XX/XXXX, which reflects the disbursement of said funds. 

Now, just over 5 years later, I received an undated electronic document from USAA Federal Savings Bank ( which posted in my USAA membership account on XX/XX/XXXX ). 
The letter states that I owe USAA {$26.00}, XXXX on said account, that said account is past due, and that said amount is due by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA. 

Now, just over 5 years later, I opened an undated electronic document from USAA, which shows it as electronically posted in my USAA membership account, in the USAA DOCUMENTS SECTION, on XX/XX/XXXX. The letter states that I owe USAA {$26.00}, XXXX, as past due amount, due and payable by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA.

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 12/30/2016 about Debt collection (Medical) with CL HOLDINGS LLC (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 about Debt collection (Federal student loan debt) with National Collection Systems, Inc. (IN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX XXXX college falsely charged me for a semester after an issue with my parents taxes, I have a deragatory mark on my credit of XXXX for the National Credit Management open XXXX 2015. They repeatedly called and harassed me for months telling me why did I go to school if I cant pay for it, and that I think Im invincible since I didnt pay it and Im think Im above the law and a criminal, and cursing at me exclaiming they didnt give a XXXX about why I dont have the money. After letting them know I do not want to be called and would be going to the college they repeatedly called and harassed me for weeks after that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter and repeated calls from AllianceOne Receivables Management, inc. They claimed that I owed money to the XXXX Circuit Court from the date of XX/XX/XXXX. Every time they called they have left different account numbers as well as reference numbers. I advised them to cease and desist and stop calling my parents phone, I was told not until I paid the debt. I asked them to send me the original documents from the debt because I had paid them in the XXXX County traffic courts division, XX/XX/XXXX. They told me that I left a balance. I do n't have any debt from back then from the Circuit court of XXXX County because I called and tried to verify it but there was no record of any debt. Thank you for your time and reading my letter and have and good evening.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am disturbed that Equifax continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This is in response to Equifax 's results on my reinvestigation on XXXX XXXX, 2015 regarding my dispute of XXXX XXXX XXXX account number XXXX. 
Equifax has not submitted any reinvestigation results to me or to XXXX XXXX XXXX regarsing this misinformed account. This account is reflecting numerous inaccuracies which I am disputing on my behalf. I am entitled to a legal and informed reinvestigation and but they have failed me and have not verified, proved or corrected anything regarding my initial dispute Please have Equifax formwrd me every signed documentation which was reviewed by XXXX, who informed me over the telephone, that their investigation was complete. 
Upon my phone call tI was refused any and all information that was verified to me and the payments information was held from me. I am disputing its accuracy and completeness and have nothing to go XXXX. XXXX XXXX XXXX has informed me that all information is non-verifiable and in archive and nothing can be verified beyond a name. 
If I have no signature, proof of payment, correct payment history how did Equifax get this verified? 
I believe there is fraud and lies on Equifax 's behalf and this seems like a blatant violation of the law. I will not accept these results and have nothing further to say.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting calls from the number ( XXXX ) XXXX at least 4 times a day consistantly for the last few weeks and it has gotten out of hand. The person on the other end stated they were calling on an account from XXXX XXXX I supposedly had for $ 800+ owed on the account. I 've never had a XXXX XXXX account personally. When I explained to them that I have never personally did business with XXXX XXXX, they asked me to provide my Social Security number to verify, and I proceeded to tell him that he will NOT be getting my personal information, and I was then hung up on. I tried answering a call from the same number a few days prior and when I picked up, they hung up on me. This needs to stop. I have no debts that are delinquent with anyone and am up to speed on all of our accounts we do business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a child support agreement that was set up by our attorneys. I have never been late on it yet the agency is reporting that it has been late twice. I have asked them several times to fix it but they wont. This has gone on for many months without an answer. I thought they were supposed to respond within 30 days or remove the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have received billings from multiple servicers. Not one has been able to provide with me a history of payments made on the loan since I took it out or provided me any information as to how the balance has increased so much. Additionally, being billed by XXXX different servicers at the same time I also had XXXX different amounts owing. 
I have asked repeatedly for loan documents and payment history to try to determine the true balance owing, but have not received anything. Additionally, I have tried to settle the matter and set up some plan to resolve this, but am getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX  ,2015-  XXXX - I  call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pas t 7 years old. n o change on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Auto debt) with Optio Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a XXXX address connected to my credit report. I have never lived in XXXX. The address listed belonged to my ex wife who moved there well after we were divorced. She has also moved from that address. I do n't want any address that I have never lived at or been associated with to appear on my credit report. 
I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and have for 50 years. I have never lived or been to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Other mortgage) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Santander consumer usa Santander consumer usa credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : SANTANDER CONSUMER USA XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I XXXX verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Credit card) with Account Outsourcing Group, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Several years ago I had a credit card which my fiance ' ( at the time ) used without my permission. I had tried several times to make arrangements with the original credit card company for payments that I could afford which were declined so I let the debt go so to speak -- Now a different company ( who purchased the debt ) has been calling my employer -- I contacted them and asked them NOT to but they continue. I also requested that they send me a copy of the debt ( because the amount they say I owe is NOT the same as the amount I was told before ). I also asked for payment arrangements in writing and the rep ( XXXX XXXX ) told me NO WAY -- they will NOT send anything in writing and that I would need to provide them with my checking account information for direct withdrawals. I am now filing a complaint because of the fact that they will not stop calling my employer and that they refuse to provide me any information in writing.

Company response to consumer: Closed
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for Citi Double Cash Card online and was approval. Citi sent me the physical card and a form which request for more information including Form XXXX and a copy of my social security card on XX/XX/XXXX. The deadline of this request is XX/XX/XXXX. 
I mailed the information Citi asked on XX/XX/XXXX. However, on XX/XX/XXXX, Citi mailed to me a letter stating that my account is closed without explanation on what is missing for my documents. I called in to check with them. The operator told me something about my last name is missing and my only option is to re-apply for this card. I was furious and hung up. A couple of days later, I called again to Citi and asked for a supervisor. I told her that I was going to file a complaint if Citi do not take action towards my issue. The supervisor agreed to reopen my account and asked me to wait for 5-7 business days. However, about two weeks later, I did not hear anything from them, so I called again, another supervisor told me that Citi can not reopen my account. The only option is to re-apply and have another inquiry to my credit history. The way Citi treated its potential customers is absolutely terrible. No clear reasons are provided. No notifications are sent before actions. No actions are taken after promises.

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 10/13/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Please help me prevent foreclosure to my property at XXXX XXXX XXXX which I have owned for twenty years as single woman head of house with no assistance nor help from anyone. After 15 months of continuously contacting my lender Ditech Financial/Green Tree Services denied my application over four times as a request for Special Forbearance and Mortgage per the investor request I have diligent prepared for months and worked directly with XXXX, XXXX XXXX & XXXX XXXX with NO Final Resolution and a unexpected/surprise Foreclosure Notice the day I submitted the final requested XXXX 2015 bank statement on the XXXX/XXXX/2015 the same day I received a notice I was denied plus received from the Attorney XXXX XXXX XXXX XXXX XXXX. foreclosure number. 
During the time Ditech Financial acquired Green Tree Service I was in process of completing the application process. Upon my attempts to make several calls to Ditch/Green Tree Services I have never seen such unprofessional non-responsive after contacting them for 15 months to work towards a mortgage modification resolution. I have numerous home repair issue I have attempt to repair using life savings and canceling insurance policies. I desperately need assistance to save my home from foreclosure as I have repeated called everyday since completing the Request For Mortgage Assistance application. I have the property listed and a buyer wants to purchase but no response from Ditech/Green Tree Services since XXXX XXXX, 2015. My roof is leaking, the foundation is cracking from the drive way unto the garage, my AC unit is not working and I can not afford to have all these items repaired. Again I have not been able to speak with XXXX XXXX my Ditech/Green Tree Account Representative for she is non-responsive plus continues to answer my calls but puts me on hold and returns to address my request for a Short Sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX posted on my credit report {$1300.00}. I spoke with the collection agency XXXX XXXX in XXXX 2015 to settle my account. XXXX XXXX offered me a settlement of {$790.00} which includes two payments of {$390.00} to be ACH from my checking account per XXXX XXXX. One payment of {$390.00} was deducted from my account XXXX/XXXX/2015. the remaining payment of {$390.00} was supposed to be deducted by ACH as well on XXXX/XXXX/2015. Payment was not deducted. I called XXXX XXXX and received only voicemail each time. XXXX decided to send my account to another collection agency ( XXXX ) to come after me for the remaining balance of {$910.00}. Credence posted immediately on my Experian credit report {$910.00} after sending me an offer settlement of {$850.00}. ( in which i had already settled with XXXX XXXX ). I forwarded XXXX the attached documents that a settlement and payment was made through XXXX XXXX and another was supposed to have been made on XXXX/XXXX/2015. XXXX asked that i forward the information to the email they provided me. I did and now they are requesting the additional payment that should have been made in XX/XX/XXXX in order for them to remove the incorrect balance off my credit report of {$910.00}. What seems to me is that XXXX is using different agency to collect from me after settlement has been made. I have uploaded documents in reference to this complaint and hope you can assist.

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 07/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: NAVIENT IS THE SERVICER OF MY LOAN, I HAVE BEEN MAKING PAYMENTS FOR YEARS AND MY BALANCE HAS NOT MOVED. I SENT THEM A LETTER ASKING FOR STATEMENT SHOWING PAYMENT HISTORY NO ANSWER. I SENT THEM A LETTER ASKING THEM TO PROVE THEY OWNED THE LOAN AND THE PURCHASE OF THE LOAN FOR DEPT OF ED, NO ANSWER. THEY ARE IN VOLITATION OF FDCPA BY NOT PUTTING MY ACCOUNT IN DISPUTE ON MY CREDIT REPORT AND NOT ANSWERING MY QUESTIONS ON THE DEBT, THEY CONTINUE TO BILL ME AND IGNORE MY REQUEST FOR VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been a cardholder with Synchrony Bank and its predecessors since  XXXX . I have been making multiple credit card payments each month to pay off my balance - these payments were made online and the funds were from two verified checking accounts that I have - one account I have had for about 17 years and the other account for about 8 years. In my 35 years of banking, I have never had a credit card payment returned. Before  XXXX , as soon as I made an online payment, the funds were immediately available for use. However, since  XXXX , Synchrony Bank does not make the funds from my payment available - they now hold the payment for 7 days even though nothing has changed with regard to how I make payments. I made a payment on  XX/XX/XXXX  and had to call the Bank in order to get the payment released - the Supervisor I spoke with told me that I could call at any time to get my payment posted to available funds because of the length of time with Synchrony Bank and never having a payment returned. I made another payment today and was told by badge #  XX/XX/XXXX  that the payment would not be available for 7 days. Please help because Synchrony Bank is holding my monies when that is not how it has been for 20 years.

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