milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERCIS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$310.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is in reference to consumer Financial protection Bureau # XXXX XXXX. XXXX XXXX XXXX responded in XXXX that this account was placed on the credit report in error. I have contacted XXXX and all 3 credit bureaus. XXXX and XXXX has updated their files. Equifax has not. The account is still showing. I contacted XXXX they're short me that they had sent an electronic email to all 3 bureaus. I contacted Equifax and Equifax told me they had not received anything. I'm getting the runaround. Please have Equifax delete the account as requested by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have 5 capitol one credit cards. They closed all 5 accounts because they do not like the way I 'm using them. I have had one for 9 years and it accumulates points to purchase a new XXXX XXXX  product. I have accumulated thousands of dollars to be taken off a GM product. They closed all accounts without giving me time to cash in the dollar amount for a GM product or I can cash in for a monetary dollar amount. I have never been late on any of these accounts and they will not tell me what I did wrong. I owe over {$6000.00} on the main GM capitol one credit card. They also closed my wife 's capitol one credit card account. No good reason has been given to me except I have accumulated Thousands of dollars off a new GM product.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: On XX/XX/XXXX, I went into bankruptcy. On XX/XX/XXXX, I completed the bankruptcy, paying around {$68000.00}. XXXX, had the mortgage but transfer within the month to XXXX XXXX XXXX. About XXXX months before completing the bankruptcy XXXX, transfer the note to Nationstar XXXX. And as soon as I completed the bankruptcy, Nationstar XXXX, stop cashing my monthly check payments.My checks were being sent to the law firm that had represented me. No reason was ever given as to why they had done. Then I started to receive advertisements from law firms that wanted to represent me because my property was being foreclose. When my lawyer had file the bankruptcy he included a provision that the loan was to set to a Fix loan, payment set at {$350.00}, this plan was sign by A JUDGE, Chapter XXXX TRUSTEE, MY Attorney and ME. No members of the BANKS, showed up. Now I am being told that the judge should not have sing this order. At this point I do n't know who is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.

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 06/14/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After closing my cable account with  XXXX , they later sent me a bill saying that I did n't return merchandise but I DID. I did n't get a receipt from them when I returned the merchandise. I was n't advised to by the employee that I would or could get a receipt when I returned the merchandise. They later billed an additional {$130.00} the total ended up being {$300.00}, which was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint against Equifax Credit Bureau. I am a victim of identity theft. I filed a police report and submitted it to the company. In addition to filing the police report I submitted an online, and over the phone dispute regarding the fraudulent accounts listed on my report. These accounts need to be removed immediately. The following accounts that I am requesting to be removed are the following :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: In XXXX, I paid balance in full on Home Depot account. On XXXX XXXX, I made a purchase in the amount of {$37.00}. Upon downloading my current billing, I noted that Home Depot applied a {$2.00} fee on XXXX XXXX for purchased made on XXXX XXXX. If I am not mistaken, I believe it is illegal to charge interest/fee on a purchase until it is billed.

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 monetary relief
Consumer complaint received 11-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (CT).
Issue: Trouble during payment process

Complaint: Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I mailed a certified letter to Experian, in regards to an account on my report. The account is XXXX XXXX, account # XXXX. I had mailed XXXX XXXX XXXX, on XXXX XXXX, XXXX, and letter was received XXXX XXXX XXXX. Before I mailed the letter, I attempted top send XXXX emails. All were returned as no email address on file. I received a response back, from XXXX, stating my letter was received by email, not by mail. Also, in the letter, XXXX stated the matter could not be looked into, as there was no new and material evidence. I beg to differ, as to which, I have been requesting copies of mortgage statements, for the life of this account. My main disagreement, being which if I was sent copies of escrow statements, dating back to XX/XX/XXXX, the billing statements must be in their possession. I mailed the letter ( s ) to Experian, and I received a follow-up letter, stating the matter can not be looked into, as it is considered as frivolous. Also, upon contacting Experian, on XXXX XXXX XXXX, at XXXX EDST, the call was disconneced after being on hold for well over 10 minutes. I feel as XXXX is hereby refusing my requests, as well as attempting to cover up the billing errors that occurred in XX/XX/XXXX, XXXX. This account was disputed in XX/XX/XXXX, and XXXX change it from being late, to paid as agreed, never late, at that point in time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened a line of Credit at Macy 's department stores. I had set up direct payment of the full balance every month from my checking account into the Macy 's department credit account to pay it off every month. I was not knowledgeable that I was also enrolled in the credit protection services provided by CITI bank. However, when I tried to use the services of this program and submitted the proper paperwork I was denied the benefits. I called many times to cancel the benefits, and yet they still appeared on my account.
The total experience I have had with this matter has resulted in me losing many deserved credit related opportunities, has cost me thousands of dollars in trying to fix this account, and no reprimand or understanding from either party. I still have a debt collected over my head and on my credit report that I constantly have to battle everyday 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 10/28/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OH).
Issue: Shopping for a loan or lease

Complaint: A more extensive description is in the attached Word document. In short Chase Bank discriminated against me, a XXXX individual, by refusing to consider the cost and added value of the conversion needed to make a regular minivan XXXX since they claimed they could not verify the value of the vehicle because it was not listed XXXX, although there are numerous other sources on the internet to determine the fair value of these vehicles. They offered me significantly less than the amount I asked for at nearly twice the interest rate even though my credit score is over XXXX and I have many accounts with them. 

I spoke to many individuals at the bank who refused to budge on this policy that would only recognize the value of the vehicle as a regular, versus XXXX vehicle. I spoke to both the underwriter and personnel at their corporate office ( see attachments XXXX. It should be noted that after a very brief discussion with XXXX XXXX XXXX XXXX, I was given a loan for the full amount requested at a lower rate than Chase 's best rate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have an old Asset Acceptance account from XXXX XXXX ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). Asset Acceptance has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. Asset Acceptance has violated my rights as a consumer and XXXX terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against Asset Acceptance : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (SD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: My name is XXXX XXXX XXXX Collection agency collect me payment. 
Because first time i open my credit report i saw collection there. 
I called collection company asked them what is goin on. 
They you have pill form charter communication which you did not pay. 
I told i only had service with one year ago and already paid to them every penny and even gave them back their equipment. 
They said it is yours if you pay now we remove just pay it. 
I gave my debit card number. 
After that i confused search more information i disputed my payment called them sent dispute to my bank. 
I asked them to validate. 
They sent me validation letter which is absolutely different person and different name with slightly similar to my name. 
Address of the service if different. i called them i explain everything they said you pay why yoy callingthey and they cutt of the phone. 
I can proof everything that they mistook me for someone else. As i was n't living there moved a year ago and never lived or had service the address of the service they provided.

Company response to consumer: Closed
Consumer complaint received 06/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient is harassing me by calling me multiple times a week as well as calling family members ( grandparents, parents, and siblings ). I communicated with them over the phone and yet they continue to leave messages with various family members after I have spoken with them. They have left personal information on the voicemails of family members and have threatened to take action. They have not been easy to communicate with, they have been extremely rude, and I am struggling to reach an agreement with them. I am sending them payments monthly but they are refusing to work with me and continue to threaten legal action. I have never dealt with a more difficult company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Delinquent account

Complaint: Chase Bank Card # XXXX is showing on all XXXX bureaus. When speaking with the reps at Chase I have been given another name of a collections company. XXXX XXXX Credit. This account was opened in XXXX and should be removed from my credit report. I am not even sure this account belongs to me. The only Chase card I had was dismissed in a personal bankruptcy in XXXX. Chase kept selling the account. Collection companies uncovered during conversations with Chase and credit bureau reports. 1 XXXX 2.XXXX ( collections ) 3. XXXX. Non of these companies have contacted me in writing about this account. Acccording to the FCRA it should come off my report. Please help. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I submitted a dispute with Transunion because there was XXXX incorrect item left on my mortgage after a previous dispute and the other credit reporting agencies had recently deleted the file after they failed to fix all the incorrect data.It seemed insignificant but I was told it could cause red flags with the mortgage company underwriters. Instead of fixing the report or deleting this file. This agency re-reported previously removed data that had been verified by the creditor after an investigation by the Executive Response Unit. It did list payments as on time but in the written details it listed the payments as being 120 days late and shows reaffirmation in bankruptcy. I was unable to submit supporting documentation when I filed the dispute as the system would not allow me to submit it for some reason. I did not push the issue because I did not think they could re-report information that they had already verified as incorrect. I figured if the other credit reporting agencies deleted the file then this agency would also. We are losing out on getting a new mortgage and potentially losing a substantial amount of money due to inconsistencies in the data that is reported between the agencies and the time it takes to resolve these issues. 
I have attached the letter frim the creditor outlining numerous mistakes on my account. Most of which the dispute department does n't have or fails to provide to the reporting agencies. The triple report that I used to file the dispute and the recently updated report from Transunion

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 01-03-2017 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (NY).
Issue: Settlement process and costs

Complaint: I am refinancing my mixed-use zoned home in XXXX ( commercial mortage required ). My current mortgage holder ( Astoria Bank ) is the problem. I first contacted them in XX/XX/XXXX to get a mortgage assignment underway. I was consistently given contradictory and misinformation by customer service reps and have been unable to connect with any dedicated person at the bank to help me through the process. In a comedy of errors, at XXXX point I was evidently instructed to fax paperwork to individuals that were no longer employed by the bank. My refinance deadline with XXXX is now XX/XX/2017 and I am still lacking only the XXXX paperwork from Astoria necessary to complete my refinance. I have invested considerable time, effort and a great deal of money into this process and am greatly fear that my refinance will fail due to the incredible incompetence and run-around I received at the hands of my own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Student loan (Non-federal student loan) with Collection Technology Incorporated (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have recently had a wage garnishment put in place. I have lived at same residence for 10years and never received any documentation. I have been trying to work with Collection Technology Inc and they have been extremely rude and very difficult to deal with not returning phone calls not sending paper work, etc and so on!! I know that it is there job to collect debt but I do n't believe I owe as much as they say and I was pretty much told that is what told that is what total is and that is that! Just called them XXXX/XXXX/15 @ XXXX central time, was told we are in a meeting we will call you back and hung up on! Not sure who their CEO knows within the Department of Education for them to be able to buy this debt and then immediately start garnishment and withholding tax money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Other

Complaint: I went online to USAA to get a secured credit card during purchasing the secured card online USAA 's system charged me twice and set up two secured credit cards when I was only trying to get one. I had to take time out of my busy work schedule multiple times to try and resolve this issue. After speaking to multiple customer service reps I was told this issue was resolved. Only to find out that not only has this affected my credit, the thing I was trying to repair in the first place, but now they are trying to charge me for the additional card that I never wanted in the first place for which they told me the issue was resolved. I tried to make a formal complaint to the executive office at USAA I called XXXX with executive resolutions 5 or more times and never received a call back for any resolution. This bank refuses to return my calls. This has put my ability to repair my credit and use my VA home loan for purchase of my families first home to a complete STOP!

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