milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We did not have any account with XXXX and are charged with {$1100.00}. Not only we were charged but also our credits are damaged and we are reported to debt collector by XXXX. We explained many times to the debt collector AFNI and also managers of XXXX but they continued charging us and damaging our credits. 
Please help us restore back our credits which were damaged for many months and ask the XXXX and AFNI to give you the signed contract that we had with them with any copy of official documents we showed them during the time we signed the contract with them. 
Thank you for your help and we want the justice to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have disputed this bogus account with the credit agencies in XX/XX/XXXX. At that time Midland confirmed the amounts were correct. In XX/XX/XXXX, I received a letter from attorney XXXX XXXX that apparently was retained by Midland, demanding payment for this bogus debt. I replied to this notice requesting further clarification. XXXX XXXX replied indicated that he filed a lawsuit against me - apparently because I asked for further clarification. State of Hawaii XXXX court records indicate that Midland filed suit number XXXX on XX/XX/XXXX. As well, Midland has made NO ATTEMPT to serve me with with bogus lawsuit in order for me to properly answer and submit my own discovery requests. Additionally, shortly after filing this lawsuit Midland has reported to the credit reports that I now owe {$1000.00} -an amount much greater than the {$630.00} they already confirmed due. This is in direct violation of FDCPA 808 ( 1 ). See attached screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: credit Bureau Equifax not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXXand with XXXX since XX/XX/XXXX till present2. as showing XXXX names for me instead of oneI am XXXX XXXX not anybody elseAlso credit bureau XXXX showing incorrect information on my name as well - I am XXXX XXXX and onlyand I am afraid that third credit bureau has the same issues but they did not provided for me their data for nowPlease help me out because these situation continuing for a years and they are not helping at all

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (CA).
Issue: Trouble during payment process

Complaint: I do not know what to do, as Statebridge Company will not respond to the RESPA 'Fully-Qualified Written Requests ' that I have sent ( in the same envelope as monthly payments. ) I had a  XXXX   credit score a nd took out a loan to buy a house  (   XXXX   XXXX  al ). I also took out a HELOC (   XXXX   XXXX  . ) I never missed a payment until just before I was supposed to receive a   promotional {$5000.00} for not missing a payment for  five years. My loan was suddenly not online and in-branch, they could't find any information.      Statebridge Company never notified us that they were our new  " Lender, '' but  credit alerts showed a derogatory account.     I called  Statebridge and they told me that I was in pre-foreclosure, and that there 's nothing that we ca  n do. They registered us with a property management company-   XXXX   XXXX   XXXX  - w ho trespasses and registered us in a 'foreclosed property ' database, meant to reduce blight i  n   XXXX   XXXX  .
Statebridge Company charges us regular NSF fees when payments are made in guaranteed funds, they wo n't apply payments.       Every month, after sending the payment " on-time, '' the next statement always carries a fee that was n't invoiced, such as repairs (?, ) 'VAC   PROP REG, ' 'BPO, ' 'Inspections ... ' always billed the day after the grace period ends, making us late and causing more fees.
The Escrow accounts also do not add up.       HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1. Equifax is well past 30 days past due on a Judgement in the amount of {$620.00} that was awarded to me and is attached. 

2. RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX Account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently received a call from the number from XXXX about some unpaid debt from XXXX. I called XXXX to confirm I had a zero balance. They have confirmed that. So I believe this call was a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Settlement process and costs

Complaint: XXXX XXXX, 2012 our home was short sold. Citibank was included in the settlement. I have the final hud statement proving that. For every month after that they have marked the account as a 30 day late for the past 2 years. We have filed a dispute with the credit agencies, we have called Citi directly, they do not have a department we can call and they do n't have anyone we can email for fax. We were required to mail in copies of our hud and a letter and were told eventually someone will get in touch with us. We do n't have a reference number or any way to follow up. This has been going on for 5 months. This has prevented us from purchasing a home and has drastically affected our credit. The false information is preventing us from being able to proceed with our lives! The agent on the phone stated we are not the only people this is happening to. How many people are they running in circles??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with Stillman Law Office (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: schlee & stillman a debt collection company by and through XXXX XXXX XXXX, who claims to be representing XXXX XXXX, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and XXXX, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form XXXX ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (MD).
Issue: Excessive fees

Complaint: I used Lexington Law for 2 years to raise my credit score and remove some items from my credit report well my score went down about XXXX points after I was finished paying them {$99.00} a month for 2 years They did nothing for me except take my money every month. I truly would not recommend them to any one. I would call periodically and was told that if I would hang in there a year that I would see results a year after I started my score went DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
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: Requested credit line increase on Costco credit card, was denied and ECOA notice sent X/XX/17. ECOA notice stated denial was based on XXXX credit bureau on the basis of showing a garnishment, attachment, foreclosure, collection action or judgment either paid or unpaid. This information is erroneous, I went and double checked my credit report for all XXXX bureaus, none state any public records concerning credit. Spoke with XXXX, Account manager Citi ID # XXXX and he stated that he can not do anything but pull my credit again, resulting in additional inquiry to credit which would be impactful to my FICO. XXXX was a great guy to talk to, and he is absolutely not the problem. It seems that Citi does not provide the adequate information to it 's employees to resolve issues like this. Should the CFPB wish, I can provide a copy of my XXXX report and the ECOA notice to document that I do not have any public records on file in my 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 non-monetary relief
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: Under 12 CFR 1024.38 ( b ) ( 2 ), the servicer must properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said application. The procedures must also comply with 12 CFR 1024.41. I made an application for a loan modification and it was not fairly or properly processed. It was denied based on erroneous information. 

On or about XXXX XXXX, XXXX I requested a loan modification from FCI Lending Services , Inc. On XXXX XXXX, XXXX, I received a letter from FCI Lending Services Inc. indicating that I needed to provide additional information ( the XXXX and XXXX federal tax return and the last XXXX paycheck stubs ) byXXXX XXXX, XXXX. I sent the additional information on XXXX XXXX, XXXX by express mail and it was received by FCI on XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. " Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI, Check # XXXX dated XXXX and # XXXX dated XXXX respectively show income totaling {$34000.00} during that two-week period which was completely ignored. The denial was based on erroneous information. 

My loan modification application was not properly processed as it ignored the current income and based the decision on past revenue which is not relevant today. 

Additionally, I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note.

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 04/18/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: THIS IS NO WAY MINE. I HAVE DISPUTED MULTIPLE TIMES, AND NEVER GOTTEN PROOF, OR ACTUAL INFO YET THEY SAY THEY CAN VERIFY IT. IDENTITY THEFT. PLEASE REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ON XXXX/XXXX/2016 I discovered a debt owed to XXXX on my credit report being reported by Transworld Systems. I found this strange since I always pay my bills and never was notified that I owed XXXX any monies. Upon contact TSI, I advised them of the situation, to which quickly we figured out they had an incorrect address for me. Clearly, this meant I was never properly notified of the problem. Should I have been notified of this bill and the impending credit reporting I would have paid it and avoided any credit reporting or continued collection attempts. I remain adamant that their failure to notify me in any capacity, phone/mail/email of a potential adverse remark being placed on my credit report is not in compliance, and request they allow me to rectify this without the penalty of it being on my credit report for 7 years. I demand they properly notify me of the balance and allow me 30 days to pay before it reports on my credit reports like every other consumer is afforded that right.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried to explain to Equifax that there are several things listed on my report that are not mine. This is getting to be a huge hassle! Because of them I have to pay a higher interest rate because they refuse to investigate properly. There is no other credit reporting agency that is listing these mistakes that Equifax does. They could n't be validating with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Sallie Mae was the lender. very briefly I was unable to continue schooling and finish my degree. I was hassled more than XXXX and XXXX times a day with phone calls almost every day of the week, at the very least contacted every other day, what 's worse my father cosigned some of these loans and dealt with the same calls and bad manners I talked with him and I documented what we could. I did ask them to stop contacting me unless it was within accordance the law allowed. I was threatened that this will never go away and they would destroy my financial credit though I have no proof of these particular conversations I did n't document some things. While still in school they had sold some of my loans that I was successfully paying and some of those again got re-sold as well. At this point I did not know who was who in terms of loans owed. Rates had changed loan numbers are not matching up. So not only did I still owe and pay Sallie Mae but now owed some other companies who were seeking payments from cosigners as well, just as viciously! still I could not afford school or penalties and payments. my father had cosigned a couple of these loans it has stressed and damaged our relationship I have no degree and there is still more but I think you get the point. It has stressed and damaged our relationship ( my father and me ) I have no degree and there is still more but I think you get the point. Not to mention my credits about a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Credit card) with Schrier, Tolin and Wagman, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I am a PA Resident and I received a warrant in debt/law suit notice that was filed in the state of Virginia, XXXX XXXX XXXX XXXX from the debt lawfirm Schrier Tolin & Wagman LLC for a credit card debt from creditor XXXX XXXX XXXX XXXX. 

I believe that I was sued in the wrongful jurisdiction as I applied for the card in PA ( via the internet ) and never resided in Virginia at the time that the card application was filled or signed. I have been extremely and negatively stressed and impacted by the magnitude of being sued out of my resident state, potential incurred costs for out of state legal representation and having to prepare to miss work to be present for an out of state lawsuit which are all things that could exacerbate my current financial situation and put me into serious financial duress.

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 03/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Credit determination

Complaint: I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We received a letter in the mail stating that we owe {$290.00} on our XXXX XXXX bill. The letter was addressed to " current resident '' and had what seemed to be an intentionally vague invoice page that included 11 transactions for service date XX/XX/2014. No other information provided. We confirmed with XXXX XXXX that our account is up to date with no existing balance. This process seems like a scam that preys on people 's fear of collection 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 03/30/2017 about Debt collection (Medical) with Nationwide Recovery Systems, Ltd (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice regarding my trans union credit report on Friday XX/XX/2017. I checked and saw it was a collection from Nationwide Recovery Systems. I called immediately and at first the representative could not find me using my name OR social security number. She eventually found me and said I owed {$780.00}, I let her know I have not received any kind of documentation regarding this debt. I proceeded to give her my credit card info, I asked her to not process my card until I do some research on this debt because my husband advised that I should get documentation on what it is exactly that I owe because I do not recall this bill. Their only advice to me was call the hospital. I called the hospital and they advised that they do not even use this particular debt collecting service, I also called Neonatal consultants which is the name it is under and that phone number is disconnected. I called back to try to get more info but was unsuccessful, they did in fact run my credit card through after the representative said she would NOT run my card and to call back before XXXX that day if I wanted my payment to be processed that day. My credit card company called them on 3 way to dispute this charge and we spoke to a supervisor who told me that if I take back my payment he would NEVER remove the collection from my credit even if I called back to pay it. He also stated it would take 48 hours for the payment to be reversed. Today is the XX/XX/XXXX which is way over 48 hours and my money has not been returned to me and I still have yet to be given any kinds of documentation regarding this debt. I called today to find out what is going on and was put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was XXXX in the Military which caused late payments to be reported on my payment history. When I was XXXX the only payments they would accept were payments made by certified check or cashiers check and they had to me mailed to the company. I mailed the certified checks on time to them but by the time they were done processing the payments they reported them late. They were not 30 days late that they are indicating on my credit report. They were only a day late at most but the checks were mailed in plenty of time from my XXXX location and the envelopes were postmarked well ahead of time before the due date.

Company response to consumer: Closed with explanation