milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXXt and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper XXXX off.

It is within my rights under the FCRA to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX

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 04-05-2017 about Debt collection (Federal student loan) with Brelvis Consulting, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive multiple phone calls and  text messages over the past three months from an organization calling itself the " Student Loan Help Center '',  which apparently is based either in southern California or Florida.     I have repeatedly told this company that   : 1 ) I did not request any information from them 2 ) My phone number is on the Federal Do Not Call List 3 ) That I wish to be removed from all future communications.
Despite this, I continue to receive robocalls and SMS messages.
I do not have a business relationship with this company ; not do I want to have a business relationship with this company.
I have verified that my phone number is and has been current on the DNC List. I have filed complaints with the FCC, the U.S. Department of Education, the CA Attorney General 's office ( where I reside ), and the FL Attorney General 's office ( which may be where this organization is headquartered. I have also informed my Member of Congress of this issue.
I have asked to speak to the organizations General Counsel to   file a formal complaint ; at which point the person hangs up the phone.     I believe that this is the website of the company that calls me : http : //thestudentloanhelpcenter.com/ I block the phone number each time, but they always call from a different number.  On one call,  the voice recording said that the phone call was made using  XXXX   XXXX , a  VOIP  provider.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed inquiries that were not made by me however I have not heard back from them XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: THEY TOLD ME THEY DO NOT REMOVE THIS ON THE CREDIT REPORT WHEN MY ATTORNEY TOLD ME IT IS TO BE REMOVED IT IS OVER XXXX YEARS OLDTHEY ALSO SAID THEY WERE ADDING MY WORK HISTORY AND DID NOT. I AM SHOPPING FOR A CAR AND NEED THIS FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Thank you so much for responding to my complaint. But nothing in that response said anything that happen in XXXX. Yes I was approved for my XXXX modification in XXXX after I filed Bankruptcy. In XXXX I received my check back from you guys and I called and the rep from Bank of America ( bofa ) said they could n't find my Modification ( Mod ) paperwork. They said they can not accept any more payment until they find it. As we wait for the process. I received a call stating that they found it and also I 'm APPROVED for a Principal reduction. She also stated that she will be sending my paperwork for me to sign. 
Question : Where is the paperwork, I 've called every XXXX days until the end of XXXX and everyone kept telling me it 's on it way. Also XXXX time I called they said the department is closed down. So it will take a little longer. Now since this was going on of course the payments are falling behind. Yes I filed a complaint to my Attorney General office about speaking to so many different people and getting different answers. That 's why in XXXX they gave me XXXX person to speak too. So my question to Bank of America why you guys gave me the run around and then you knew by me applying for a XXXX modification within XXXX years that I was going to be denied. Also when I was already approved for themodification that you guys lost but then found. Why you guys did not give me the proper paperwork for the Principal reduction. I really think for the year of XXXX sounds very odd. And I was misled as a customer seeking for help. XXXX bank of American should had kept my check and not sent it back. Can you please explain to me what happen in XXXX. I was paying on time after my bankruptcy. I know you guys transferred me to XXXX but it started with you guys. And I feel they need to clear this up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax was hacked and my PII has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Medical debt) with EOS Holdings, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX that my delinquent account from XXXX for {$2400.00} had been sold to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX. This was the first I ever heard from XXXX XXXX in over six years. I have been admitted for other procedures and admitting never mentioned there was an alleged past due amount on my account. I never received and past due/demand letter or contacted in any form. I have had the same address and phone numbers for over twenty years. Obviously, I never afforded the opportunity to contact my insurance carrier or the hospital to determine if the charges were legitimate and if so, who 's responsibility the charges were ... the insurance or me. Now EOS CCA has contacted me and demanded payment and threatened to damage my credit and in fact has reported the debt to XXXX. My attorney has advised me that per the Texas Civil Practices & Remedies Code that the statue of limitations on the alleged debt is four years and the debt occurred over six years ago.
I believe the bullet points below summarize my complaint XXXX XXXX sent me one bill 6 years ago, that I reasonably believed was the responsibility of the insurance company. I fully expected to receive another bill after insurance had paid their share. When I didnt receive one, my reasonable assumption was that insurance had paid it in full. Now the hospital has sold my account to EOS CCA that is trying to collect a debt that, per the statute of limitations, is no longer collectible. Even though, per the law, the debt isnt collectible, they have threatened to report me as delinquent to the credit bureaus. o This is a deceptive practice in that I was only given one notice of the debt in 6 years where I had every reason to believe was satisfied by my insurance company o Its also an unfair practice for the collection agency to report a debt as delinquent as an uncollectible debt cant possibly be delinquent. o Its an abusive practice to threaten to harm my credit standing over an alleged debt that I have no legal obligation to pay

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monarch Recovery Holdings, Inc. (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: court judgement to me. collection bought original debt many times from lawyers, collections agencies. Paid for 3 years with no principle payments reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with ZARVAD III S.A. (NM).
Issue: Can't stop withdrawals from your bank account

Complaint: I am in the process of filing for debt relief and was advised that I had to reach out to the company and request a stop payment. I was advised that I had to follow the procedures listed in the contact in order to request said stop payment. Upon reviewing my contract, it only states the following and gives no address or specific address to do the cancellation. 

AUTHORIZATION FOR ACH ELECTRONIC FUNDS TRANSFER PAYMENTS : I hereby authorize any third party processor, on behalf of Mypaydayloan.com, to initiate ACH debit/credit entries to my bank account for all payments due under this Agreement, including any returned unpaid item fees due, as well as all payments due under any future renewal Agreements. I further authorize the Financial Institution at which my bank account is held to debit/credit the same to such bank account. This authority is to remain in full force and effect until any third party processor, on behalf of Mypaydayloan.com, and the subject Financial Institution have received written notification from me of its termination in such time and in such a manner as to afford the third party processor on behalf of Mypaydayloan.com, and the Financial Institution, a reasonable opportunity to act on it. I understand that I may cancel this authorization by providing written notice to the third party processor on behalf of Mypaydayloan.com at least three ( 3 ) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of the responsibility of paying all amounts due in full. Customer understands that payments through the ACH system are not a condition for credit, and Customer may make payments by mail, or other approved methods upon written notice. Customer also acknowledges reading the Electronic Signatures In Global and National Commerce Act Notice ( below ), and consents to use documents in a digital form. In addition, any contracts and payment authorizations will be considered binding in a digital format.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: So I was sent a promotional code to get a capital one card. I got approved for the card. I called to activate my card. I was then transferred to the fraud department. As told to me that thousands of others used that code. However that does n't apply to me what thousands used when I was sent a card. However I was transferred to the manager and all that was needed from me was to show proof of my identification so I scanned and sent my social, and driver license that has proof of my address. So my card was activated. The next day I used my card however I tried to make a purchase yesterday after I got off work and tried to make a small gas purchase my card was declined. I called capital one and it was told to me my account was closed. I spoke with a representative and then ask for a supervisor as told to me from the supervisor there 's nothing no one can do about my account being closed. However the day I was approved for the card I got a hard inquiry on my credit report. I received my cycle date, my payment date, and the ending of the o % interest rate date. I sent in my personal information to verify that it was me that applied for the card. From reading the Credit Card Act of 2009 I think you guys not only broke the law but violated the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Regarding an old debt with XXXX XXXX XXXX. ( XXXX ). Someone named XXXX XXXX contacted me 2 weeks ago, XX/XX/XXXX stating that he is a debt collector for Credit Control in XXXX Florida, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are attempting to collect a debt in the amount of {$5700.00}, but that XXXX XXXX who charged off the debt in XX/XX/XXXX, is willing to accept a settlement amount of {$2800.00}. I asked XXXX XXXX to send me written information regarding the debt, and he replied that he will send me documentation after the debt is payed off. I have not received any documentation from Credit Control. Their contact number is XXXX. I called the number yesterday and today and asked to speak to XXXX XXXX but I was that XXXX XXXX no longer works at Credit Control, and that they want me to send them money but they have not sent me any documentation regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Medical debt) with Telerecovery Corporation (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted the debt collector, TELERECOVERY, via certified mail due to them have reported negative items on my credit report. I sent a letter to them and have given them over 30 days to contact me. The letters I sent to them asked them to validate the accusation and to send proof of what they are reporting. It is my right to ask for validation about any accusations concerning a debt. I let them know that it violates FCRA 15 U.S.C. 1681i, all unverified account must be promptly deleted. It is damaging my credit worthiness. 
TELERECOVERY, medical collection balance, {$110.00} U.S. certified mail tracking # XXXX XXXX XXXX XXXX XXXX ; mailed off XXXX/XXXX/XXXX, delivered XXXX/XXXX/XXXX @ XXXX

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 08/25/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had a credit card with Wells Fargo when to a tough situation then i try to settle the account and they wont take any mere payment on this account they toll me they are doing a XXXX on the collection but the balance still showing on my credit report i will like for the account to said closed at zero amount I am fixing my credit

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 05/15/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AK).
Issue: Struggling to pay mortgage

Complaint: Simply put, we were " OCWENed ''.   OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did.
My bride and I were out of the country when OCWEN se  nt us certified letters, notifying us the foreclosure they were pursuing. We never received those letters because how long they were in o ur PO Box , co nsequently those letters were returned ( which is on record ). But we did receive an eviction notice in   XXXX  , afte r O   CWEN was actually successful with foreclosing on our home.
Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: MORTGAGE COMPANY CHANGED ESCROW WITHOUT NOTICE, DID NOT APPLY REGULAR PAYMENT. CREDIT REPORT SHOWS LATE PAYMENT XXXX 2013. I TRIED TO ADDRESS THROUGH CREDIT AGENCIES, NATIONSTAR REFUSED TO CHANGE IT. THIS LATE PAYMENT IS HARMING MY CREDIT RATING. I WILL ATTACH PROOF OF REGULAR PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (I do not know) with A & O Recovery Solutions, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from number XXXX, XXXX, MO, for several days and without leaving a voice mail message. I called them back after a few days and they asked me if I was XXXX XXXX. I asked them what this call was regarding and company name. The representative said it was " CCI '', and hat there was a complaint against me and that I was going to be arrested and my property taken. I told her that his was an illegal debt collection practice and hung up.

Company response to consumer: Untimely response
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc. has taken over the servicing of our mortgage from XXXX XXXX XXXX. This company is harassing us through a barrage of phone calls when they deem the payment late. We sometimes send the payment in the first week of the month and although there is no penalty they claim it is late and that I need to pay it by the XXXX of the month. I never had this problem with XXXX XXXX XXXX. We had until the XXXX of the month before penalties were assessed. 
I have also been locked out of the of the website and to my amazement there is no direct # to call on the website. I tried one of their phone # s used to harass their customers and was redirected to the website. This is basically a company that has ear-marked customers and is out to get those XXXX XXXX XXXX customers that may have gotten in trouble with payments. 
The worst service and the worst treatment of customers I have ever encountered by a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX placed a collection on my credit in the amount of {$2300.00} at the time i had insurance so i had no idea of the bill untill XX/XX/XXXX when i was in the process of reparing my credit. XXXX  removed it and placed it back on my credit without notifying me

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with AFNI INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX was my private student loan provider. Upon graduating from college, I called because I heard it is good to try to consolidate your loans. XXXX told me that I was no longer able to consolidate because it must be done after my 4 year program. Since I went to school for 5 years, I was past the time limit and could no longer consolidate any of them. I was a full time student. How can this be fair?

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Chase willfully misrepresented the amount of alleged debt, then sold to debt collector, writing off a highly inflated amount, while continuing to report inaccurate information and updating to appear recent. This account was disputed from the start, as fraudulent.To date, this account is being illegally re-aged and inaccurately reported. Although I 'd disputed the legitimacy of this charged-off and sold account ( XX/XX/XXXX-XX/XX/XXXX ), I paid the account in full to the purchaser of the debt years ago. I 'd disputed the Chase Card reporting XX/XX/XXXX, and they began to knowingly " update '' the account to the CRA 's with an illegally re-aged status, making the account appear far more recent, damaging our credit further. In XX/XX/XXXX, Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed with a XXXX balance, and was no longer using. At the time of the threatened judgement, we were in the midst of a refinance, and I XXXX and agreed to a payment plan, paying at least three times the original alleged amount owed ( {$2000.00} ), because Chase took the past due amount from an amount initially reported to XXXX as {$600.00}, and " adjusted '' to their fraudulently claimed charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX

Company response to consumer: Closed with explanation