milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting numerous calls for a debt I do n't owe, I verify social secutity number and date of birth with the XXXX on their files and it 's does not match, yet they continue to call me. I have asked them to correct their records but they have failed to do so. I have received more that XXXX calls in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was making payments, however they were n't enough, so they sent me tocollections and then since they said I was in " default '' they would only take alump sum payment. First they said {$9000.00} then they said XXXX. I got them tolet me pay XXXX ( which I had to borrow ) and then I made 100 monthlypayments for 2 months after that, per the arrangement. I called back to XXXX know I could continue making payments, but they said " no '', back to thelump sum thing again only now the best I could get them to do was XXXX over3 month period. I really am trying. I explained to them back in XXXX that mycompany was bought out, I had to look for other work and now I am on acontract position, could end any time, but I am still looking for permanentemployment. I am paying on a ton of student loan debt. I have XXXX and can barely afford groceries, but hey at least I amtrying here, why ca n't they work with me?

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: equifax has not responded to any of my documentation and disputes relatinf to old files medical collections that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with Monterey Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 05/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently in bankruptcy. Yesterday, I received notification from XXXX XXXX that my mortgage company paid my annual homeowners premium. This is unusual as I have been paying my own premiums for years and have documentation to verify this. When I contacted Nationstar, they said it was part of my loan modification, a modification I have made or authorized which is verified by talking to the Bankruptcy dept. I ca n't get anywhere with getting the escrow removed. I have been approached by my mortgage company twice for a loan modification. On review by my bankruptcy attorney, I was advised not to do a loan modification as the terms Nationstar offered were not in my best interest. However, now they show I have agreed to a loan modification and they created an escrow account which now has accrued to XXXX that they say I owe, despite no written record of a loan modification. I never agreed to a modification and that amount is the difference between what I have been paying and the amount the modification would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient calls my cell phone every week day at least 3 times, sometimes 4 times in a row. They have contacted family members and began calling my place off work, every day, multiple times a day. Calls start before XXXX and continued after I explicitly told them to stop calling me and my work. Last week, the front office informed me that a recoding called at XXXX giving my name and stating that they were attempting to collect my student loan debt and that I would be put in deferment if I did not respond within 48 hours. I once again contacted then to stop calling me. I 'm a XXXX and I love what I do, but it barely pays my living expenses. It took me over five years to get a XXXX job after college and now I have debt collectors harassing and humiliating me at the XXXX XXXX XXXX at. I 'm contracted year to year and can only imagine how this will effect my chances of being offered a new contract. Causing me to be unemployed is n't going to help any part of this, on my end or theirs. If I had the money to pay back my loans, I would, but I do n't, I just want them to stop harassing and humiliating me!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
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: I have sent in several certified letters for validation of debt due to erroneous mistakes. The balance is incorrect, name, etc. It has yet to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (RI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Open my account at XXXX years old, at the time I was young and dumb service rep stop me to have me open up a phone line. He never asked for my ID just my social. He said I was approved for XXXX lines I got caught up on his pusuation so I took the offer. I felt behind on payments because I was just a new dad so I could n't pay. I 've made several calls to let them know and they did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase closed my account on XX/XX/XXXX citing my high revolving credit account balance and previous history with them after issuing me a credit card. I tried to contact Chase in order to resolve the dispute as I have continually paid my credit cards in full at the end of every statement. Chase would no reactive my cards despite numerous attempts at discussing the matter with them. The cards Chase closed have yearly fees associated with them that I paid at the beginning of the year. Chase reimbursed me {$95.00} for the annual fee for my XXXX credit card, but not my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom i t may con cern, I mailed a M ultiple Inquiry Removal Letter o n   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my  XXXX  report,  XXXX  hard inquiries on my  XXXX  report and  XXXX  hard inquiries on my Transunion report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules , FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all XXXX bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (UT).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we had tried to sell our house on our own but it was not worth what we owed. We have a first mortgage through M & T Bank and a XXXX with XXXX. SO we hired an agent and began trying to short sale our home. M & T said we were not past due so they could n't help us until we were. They made us go through a long XXXX month process to try and do a loan modification prior to allowing us to short sale. We needed to relocate due to how far our work is so we did not want a loan modification, we wanted to sell and relocate. So after about XXXX months it got to the next stage of moving to Short Sale. They APPROVED it to go to short sale. After doing everything they advised they finally APPROVED the short sale in XXXX. So we have been negotiating with the XXXX mortgage to move to close. It is now XX/XX/XXXX XXXX XXXX year later XXXX and the negotiator on the file, XXXX, tells us that he reviewed the numbers and they are getting paid off so we DO NOT qualify for a short sale. After 1 year of ruining our credit and doing what they advise and them APPROVING us for short sale etc.. XX/XX/XXXX they advised us we do n't qualify now and they send us a letter stating if we do n't respond by XX/XX/XXXX they will move to foreclose. So they tell us XX/XX/XXXX & only give us a few days to respond and we just got the letter XX/XX/XXXX. So we have XXXX day to respond or they foreclose. After all the XXXX they put us through and they dropped the ball. We could have been negotiating with the XXXX mortgage only and not ruined our credit if they had done their job. How did they not realize this when we started? before we went past due, before doing the loan modification and getting approved for a short sale. They have totally wasted our time and now they move to foreclose? This is horrible business practice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (CT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: My fiance and I ( XXXX XXXX ) were living in the XXXX XXXX XXXX XXXX, XXXX CT. The XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. The XXXX then sent our debt into collections with Rent Recovery Solutions, during this time we notified The XXXX that they and Rent Recovery Solutions were only permitted to contact us via formal writing. Rent Recovery Solutions ( RRS ) attempted to contact us by phone, which we made aware was inappropriate. We received a letter of collection from RRS and responded within 30 days that " As your client, XXXX and XXXX XXXX " XXXX '' XXXX, has been repeatedly advised in writing, the entire amount of their claim is disputed and will not be paid. XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. '' Our credit scores have been flagged by RRS and we dispute all amounts due. It should be noted that RRS is not listed as a XXXX Agency with the XXXX as of XXXX XXXX. We have told both parties that we are being represented by a lawyer and are disputing all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with ARS National Services, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on  XXXX   XXXX ,  2014  I purchased furniture from  XXXX    XXXX   store #  XXXX . I if you paid it off in  one ye ar there would be no interest charged. They also automatically send you a credit card. The store and the credit card are separate. was not known at the time. I took my first payment into the store the day it was due. The clerk took my cash, which was {$140.00}. she gave me a receipt and I left. The next day  XXXX    XXXX   started calling me about my payment. that it was late and I would not qualify for the no interest agreement. I told them I paid in the store and I had a receipt. this was when I found out they were separate . S Th ey told me to call the credit people tell them what happened, they would refund the money then I could send it in to them. And there would be no problem, because it was the clerks fault not mine. So I did they sent me my money back, because i had never used the credit card. and never did. they took away the no interest because they said the payment was late. now years later a collection company is trying to collect {$140.00} plus interest. Now {$400.00} plus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Making/receiving payments, sending money

Complaint: Fifth Third Bank locked my " make a payment '' feature which had an automatic payment. Since it locked that account, my automatic payment for my mortgage did n't go out, causing it to be late and more fees. When I tried to fix the problem, I just kept getting transferred from one person to another.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Ac t ( FCRA ), section  623, subsection ( 8 ) ( D ) .   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 ) e stablishes a time-frame for these issues, and that section  621 of th e 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 :  1.  XXXX   XXXX     XXXX    This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Charged bank acct wrong day or amt

Complaint: Hi there, I got a payday loan with Cash Central in the amount XXXX XXXX I have been using their service for over a year and always pay on time. This time I took the option of breaking the repayment into 4 monthly payments of XXXX ( totaling XXXX ) so I could stop re-loaning. When the 1st repayment date came I realized the payment was attached to the incorrect bank account. I called them to change the accounts but they said i had to wait until the payment was returned. Afterwards instead of making the payment the next day they sent me account to the collections office straight away and charged an extra fee. 
I called them to ask to re-instate the repayment plan but they insisted I pay in full. I made an arrangement to pay over XXXX third of it that week which processed successfully. I called them to organize the repayment of the remaining XXXX . When i STATED IT WAS NOT IN MY BUDGET to repay the entire amount on the spot they asked me how much money i had in my bank account. Both people asked me this the two times I had called and treated me forcefully. I stated I had n't arranged for XXXX two payments but the lady had suggested a plan. They had set up two more payments form my card for the following two weeks. I told them that these were not authorized but only suggested by the representative and that she said she would call me to discuss. I had to argue with a lady for 20 minutes in order for her to not process the next XXXX $ on my card that week, which I could not afford. I had to keep stating " I do not authorize you to charge my card ''. she finally agreed to wait until the following week. 
Today I look at my bank account and the entire amount of XXXX $ was attempted to be processed yesterday without my authorization, which is entirely illegal right?? 
Not only did I not have a scheduled payment, I clearly did n't authorize the payment of XXXX $ never mind XXXX XXXX At the end of my phone call the lady asked if i was still with XXXX XXXX XXXX and i said yes. So they decided to use my account information to try a payment even though unauthorized. 
I do n't think these companies should get away with this kind of activity. I paid on time every month for a year and they are acting without boundaries, and illegally, using my card information without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Unable to get your credit report or credit score

Complaint: It is the practice of my mortgagor , Ocwen, to report my mortgage payments to credit agencies 3-4 months after payment is ma de. For instance, my  XXXX  credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expec t Ocwen to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.

Company response to consumer: Closed with explanation