milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My credit is being harmed by a collection agency that is reporting a disputed debt. 

The issue stems from a 3-month series of billing errors that my current phone/internet/XXXX provider made when we switched our service to them last year ( XXXX 2014 ). Throughout the time that the billings were in error, XXXX advised me to not make the payment while they corrected the issue however they never actually got it fixed. When they finally combined my payments onto a single bill ( which is what they were supposed to have done from the beginning ), they sent me a separate bill for one portion of the service and refused to provide a breakdown of what the billing represented. As the total amount shown was equal to the amounts I had been billed during the 3 months that the bills were in error ( and did not include the " bundle '' discounts I was supposed to get ), I advised CenturyLink that the bill was disputed until they could get it corrected - they appear to have responded by sending it to a collection agency. 

When I received their bill I notified the collection agency that the bill was disputed because the creditor refuses to provide a breakdown of charges ( which I know are wrong ). The collection agency subsequently sent me a copy of the erroneous billing, marked as a duplicate and showing an address in XXXX ( I am in XXXX ), which does not include any information other than the disputed amount. 

I contacted the collection agency and advised that the billing remains disputed because it 1 ) does not list what I am being charged for or 2 ) include the discounts that were the source of the initial dispute. Their agent stated that they considered the bill validated and were reporting it as a collection item. My credit monitoring service subsequently notified me that my score has dropped. 

I experienced a job loss several years ago and my credit suffered as a result. It has taken me a long time to rebuild and I am very upset that this collection agency is trying to erase all that hard work. 

I have submitted a complaint to the FCC as well, in the hope that they can get XXXX to correct their erroneous billing - please help me get the collection agency to stop harming me - my efforts to convince them that the billing is wrong ( and should not be paid ) have not been successful. 

Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: They called and I called them back and have not heard from them since. They transferred my accounts to a company that has a worst standing then they do and I 'm not happy. When I called the new company XXXX they told me ASC transferred XXXX account which is my XXXX. My XXXX has been written off and I was paying my monthly mortgage and I 'm continuing to pay it monthly. I ca n't refinance my mortgage because they wrote off my XXXX and I was paying, they were holding my payments for two months and when I called them to say why are not posting my payments, they kept giving me the runaround, like they are doing with you by not giving you an answer why they wrote off my account. 
Wellsfargo/ASC are crooks and I want my XXXX in good standing so I can refinance. 

In progress Response We 've been unable to establish contact with our customer, XXXX XXXX. We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Contacted Navient on XXXX loans that has a co-signer, I have been trying to pay them on my own because I am the borrower, the payments are too high they will not work with me and I have exhausted my forbearances ... .I do n't want to involve my co-signer because of a separation and the threat of being sued by the co-signer ... so I have tried to pay them on my own but the payments have increased and my pay has decreased ... .please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. 
Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Medical) with Advantage Collection Professionals, Inc. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with Brock & Scott, PLLC (VA).
Issue: Account opening, closing, or management

Complaint: I was XXXX of an organization, XXXX XXXX XXXX from XXXX XXXX. I turned the organizations checking account over to the new XXXX XXXX XXXX. However, I did not remove my name from the account because I was in the process of filing embezzlement charges against the XXXX during my tenure. The XXXX was suppose to close the account and open a new account. The new account was opened and the XXXX made personal charges on the account. The XXXX did not pay the account so they sent correspondence requesting that I pay the account. Upon explaining to the lawyer of Brock and Scott the situation about six months ago, that this was an organization I had not been apart of it since XXXX, the lawyer agreed with me. The lawyer form Brock and Scott sent a letter to me acknowledging that I did not have anything to do with the account as such my name would be removed. The XXXX failed to pay the account and earlier this month, I received a Warrant in Debt along with the XXXX for the amount plus attorneys fees. The lawyers will not take my call and keep saying that XXXX has made arrangements to pay by XXXX/XXXX/XXXX. This should resolve the debt. The problem I have is that I should not be a party to this debt regardless of what happens. Brock and Scott only sent the communications regarding this settlement to XXXX and not to me. These communications contained my Personal name and address. So now they are only communicating with the XXXX and not me but sending emails and letters addressed to me to the XXXX. This is a violation of the law and I want my name removed as previously indicated by Brock and Scott. The XXXX even signed a statement acknowledging that the debt is his. This was sent to the Brock and Scott but I have not received any response. To date, I have requested all correspondence sent to me about the debt from Brock and scott but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Harris & Harris debt collection ( phone XXXX ) has called me repeatedly for several months over a debt apparently owed by someone named XXXX XXXX or XXXX. I have never heard of this person, I have no idea what this could be related to, and this number has been used solely by me for nearly 26 years. I have spoken to Harris & Harris THREE TIMES. Each time the person on the line tells me about XXXX XXXX, I say I don't know who that is, they say alright, your name has been removed from the list - and - shortly after that the harrassing calls begin again. The last time I spoke to them the woman argued with me and claimed it was the first time they'd heard from me. She said she'd removed my name from the list. I asked that a supervisor be informed of what happened so the company would know that something was not working and innocent people were being harrassed, and she just kept repeating that my name had been removed, and would not give me a response to my request that a supervisor be informed, saying that I could report them to whoever I liked. Really this is ridiculous. I hope you can help hold these people accountable. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with MRS BPO, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX/XXXX/2017 at XXXX we received an automated call ( XXXX ) asking for a call back to XXXX. A call back was placed to MRS Associates and I stated to the operator that we have asked multiple times for calls to stop being placed to us. The operator very politely tried to go through our main numbers and stated that our main numbers have been blocked. Because the system does not allow for forwarding to the main number, a narrowing of what number is being used is impossible, as we have several numbers that forward to our main number if not answered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : PORTFOLIO RECOVERY ASSOCIATES Account number XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Auto debt) with Vital Solutions, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX XXXX XXXX XXXX responded with the following : which is not true and a misrepresentation ; Third, you allege Vital continues to unlawfully collect a debt. Vital received a letter from you dated XX/XX/XXXX that requested verification of the debt and requested that any communication with you or your family members should be done in writing. Vital complied with your request and sent written verification to you on XX/XX/XXXX. Furthermore, Vital also ceased collecting your account and cancelled the payment plan agreed to by XXXX xxx. Vital will no longer be contacting you or XXXX xxx about this account. I trust that this correspondence explains Vitals handling of your account and satisfies you that its actions were proper and lawful. Please do not hesitate to contact me with any questions you may have. Thank you for your courtesy. XXXX XXXX Manager of Compliance XXXX XXXX XXXX XXXX | P : ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX This Communication is from a Debt Collector. Enclosure ( XXXX ) : XXXX On XXXX XXXX, XXXX, Vital submitted an ACH payment of {$310.00} to my financial institution that successfully cleared onXX/XX/XXXX On XX/XX/XXXX Vital submitted another ACH payment of {$310.00} to my financial institution that was returned in correspondence of XX/XX/XXXX Vital did NOT comply with request nor did Vital cease collection activities. Financial institution will be providing a copy of the returned check dated XX/XX/XXXX submitted by Vital. Vital has continued to submit payments, although per the statement above per Manager of Compliance states that they had complied with request and ceased activities in turn causing financial duress. 15 U.S. Code 1692f - Unfair practices -- Violation ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. Vital also states that " After a comprehensive review of the relevant call recordings for your account, Vital respectfully denies these allegations. '' But a lawful recording of an in-person conversation requires the consent of all parties. Mo. Ann. Stat. 542.402 XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (OH).
Issue: Trouble during payment process

Complaint: My mortgage was bought by a new company. XXXX. My loan is due on the XXXX of every month as per my original contract. I am supposed to have a 15 day grace period to pay my loan before I am charged any late fees. This new loan company is charging a processing fee based on how many days have passed from the actual due date. Example : if I pay my loan after the XXXX I get charged a {$5.00} processing fee. If I pay my loan after the XXXX then I have to pay a {$10.00} processing fee. If I pay after the XXXX, I am charged a processing fee AND a late fee. When I asked them about this fee they said it was simply a processing fee, however they are obviously charging customers based on how late they are. This is not in my original contract and I am supposed to have a 15 day grace period without any fees what so ever. They are just using the term processing fee other than late fee to get around this. They told me it was within their rights to charge me this fee. They are taking advantage of customers by doing this. My pay is bi-weekly and I cant always pay it right on the XXXX of the month every time. I should not have to take money out of my savings account to make my house payment just to avoid their processing fee. I have been charged his fee the past several months. Please do not let them continue this practice. They are just trying to sneak in extra fees on consumers hoping they can get away with it by calling it a processing fee. Thank you!

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 11/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX XXXX was reporting on my credit report that a portion of my student loan, {$22000.00} was included in my bankruptcy therefore showing it 120+ days late and that it was now on a wage earner plan. All of this information is incorrect. Ohio law prohibits student loans from being included in a bankruptcy. These loans were on forbearance during this time. Also, my entire loan for XXXX XXXX ( a.k.a. XXXX ) owed is {$47000.00}. Why would only a portion of it be included on my bankruptcy. Again, all incorrect info. I sent them a letter stating this and the information was removed from my credit report. Within 30 days, the information was put back on my report but now reporting under Navient Solutions on my XXXX reports and under XXXX XXXX on XXXX. I would like this information removed from all credit reports as it is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Late fee

Complaint: I am disputing a {$19.00} late charge from fred Myers jewelers platinum preferred Master Card # XXXX XXXX XXXX XXXX. 
My payments are due the XXXX day of every month. In order not to be late with my payments I have arranged with XXXX bank to withdraw my monthly payments from my account in a timely manner so that the credit card company will receive payment on or before the due date. Apparently in XXXX the payment came late. 
I have disputed this with XXXX bank as well and after looking into this case, XXXX bank has assured me that they send the payment to the creditor in plenty of time for them to receive the payment and will not take responsibility for the late charge. 
I have called and spoken to customer service several times and they refuse to refund the {$19.00} saying its the banks fault, the bank says its the creditors fault. 
I am very frustrated since I always pay my bills on time and do everything possible to avoid late charges or missed payments and feel that I have been wrongly penalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :  Item Reason for Deletion   XXXX   XXXX   & Navient Loan  where turned over to  Navient a nd then the department of education.     According to the provisions of the Fair Credit Reporting Act 6 11 ( a )  [  15 USC   XXXX i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.     Please notify me that the above items have been deleted pursuant to  XXXX   ( a  ) (  6  ) [  15 USC     XXXX    j ( a  ) (  6 )  ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of  612 [ 15 USC  XXXX j ],   there should be no charge for this report.     If you have any questions or need additional information, please contact me at address noted below.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , IA  XXXX  Social Security #  XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with SECURITY FINANCE CORP (TN).
Issue: Can't contact lender or servicer

Complaint: I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.

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