milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Debt collection (I do not know) with Atlantic Recovery Solutions LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Representatives have called many times per day to myself and to my family members, anyone with my last name that lives in my area. They have left messages that this is to collect a debt and that they are taking action-XXXX legally and through wage garnishments. I called them back to get their address and XXXX number which they were very hesitant to release. first representative said very rudely " im not talking to you'then put me on hold. They were asked to provide any supporting information but failed and could n't do so then hung up. Very rude to my elderly mother. 
I do n't have a debt that is owed so I am not sure what they are trying to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe the company to be a scam, and trying to get money out of me. Contacted me on a " XXXX year old debt '' that I 've never heard of until now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am submitting this complaint against XXXX. I have disputed several collection accounts in my credit file and I requested a debt validation other than a balance and a computer print out and XXXX has failed to submit the information.

Company response to consumer: Closed
Consumer complaint received 08/13/2016 about Debt collection (Medical) with AVANTE (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was a workman 's comp case. Under Florida law they can not come after me for a balance owed. Workman 's comp paid them. I contacted Avant about 6 months ago and they were suppose to take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with M&T BANK CORPORATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wallet was stolen and {$500.00} was taken from my account. M & T bank is denying my claim because they are saying there is no way someone could access my pin # in order to take the money out. I explained that my SS card was in my wallet and my pin was last 4 of my social but that is not good enough for them. Therefore I am out {$500.00} and they are saying there is nothing they can do. They are basically accusing me if stealing my own money.

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 05-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I received a wire to pay off our mortgage on XXXX XXXX, we went into a Wells Fargo branch to have the funds moved to payoff our existing mortgage so we could purchase a new home on Thursday. The branch representative called got a payoff and moved the funds provided us a receipt and said it would be showing in 24-48 hours. We checked this morning and were shocked to see a balance on our account. When we called Wells Fargo to find out what was going on it appears the branch did not appropriate the fund correctly and instead placed the funds toward future payments. We asked for this to be fixed but were informed it would be 48-72 hours thus delaying and potentially jeopardizing the purchase of our new home. I stressed importance of this to the mortgage rep on the phone was told nothing they could do, I spoke with a supervisor XXXX who also said nothing they could do it was not her fault the branch made a mistake and they have to re-appropriate the funds, the branch should have wired the funds vs. transferring. I explained this was not our mistake and Wells Fargo as a whole needs to resolve this was told nothing they could do, I mentioned filing a complaint with CFPB and was transferred to XXXX in the executive escalation team. XXXX was very nice but once again even though Wells Fargo received our funds in the form of a wire they could not verify that those funds are paying off our old mortgage so she was not able to provide anything or verify for the new lender that the funds are in Wells Fargo system but were applied wrong. This places us in a very bad situation that could potentially not only cost us money, we could lose our new home and since our old home is set to be rented/occupied on XX/XX/XXXX my wife, my children and myself are left without a place to live.

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 05/17/2017 about Debt collection (I do not know) with AFNI INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Thi s Compliant is being sent to AFNI, INC in r esponse to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices A ct, 15 USC 1692g  Sec . 809 ( 8 ).  I NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and  XXXX   ) t his action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Credit card) with EXPERT GLOBAL SOLUTIONS, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Years ago, I think XXXX, I saw on a credit report that and old credit card debt from XXXX was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX that there was a Judgment Lien on my credit report. NCO Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to NCO who then tried to collect on an expired debt. I looked up NCO on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by NCO. Now I found out NCO sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Nationstar mortgage is in violation of breach of contract. Both the note and deed of trust states no acceleration

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get calls repeatedly from XXXX claiming to be from Optimum Outcomes INC for a XXXX XXXX. I do not know a XXXX XXXX ; I assume he had my phone number previously. The calls are always a recording and always leave half of a voice mail message because their autocaller is n't smart enough to wait for the answering machine to pick up. The caller always tells me that if I actually listen to my own voice mail, I am acknowledging that I am this XXXX XXXX person. I 'm not. 
This is a list of only a few of the many calls I 've received from this company for the past year : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Settlement process and costs

Complaint: We are an attorney 's office who represented a client seeking mortgage assistance. She received a modification trial offer and has made all her payments on time. I have been following up with the lender for over a month for final documents and was told on XXXX XXXX, 2016 that they had no authorization for me ( despite working with me to get the mod ). I sent updated authorization and had to wait for them to apply it to the account. Now they tell me that the final documents went to our old address the day after I called in and was told we had no authorization on file, and the deadline to return the documents was on XXXX XXXX. I told them that the docs were not received, and they will only give me until XXXX XXXX, 2016 to return the documents ( that I STILL have not received ) back to them, or they will pull my client 's modification and make her reapply. I specifically asked for a supervisor 5 times in a 45 minute conversation and was refused XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a call from my mortgage company, asking me to return the call. When I did, they refused to tell me what the call was regarding until I confirmed some information. They were calling on XXXX XXXX, saying that my mortgage was late. We have just refinanced our mortgage, and this represents the first payment due, on XXXX XXXX. The individual on the phone told me that I was not technically late, as I have a 60-day grace period since it is a new mortgage, but that the collection calls would not stop until the payment was received. My husband and I have never been late with a mortgage payment, and I told her this and said I needed to call my husband to check on the status. At this, she continued to push me about when they payment would be received ( it had already been paid electronically ), in what form, etc. I found this call to be inappropriate, and since I did not owe an outstanding debt, it was even more egregious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX of this year, I was informed by the Bank of America that it was terminating my checking and savings accounts I had held with the Bank for about 5 years. I filed a complaint with the CFPB at the time, alleging that they were using a fraudulent method, the FIS Qualifile deposit account system marketed XXXX to determine who among their deposit account holders was likely to default on their accounts, and that I was being unfairly targeted in their use of that system. Nevertheless, in spite of my vociferous demands to see my Qualifile score and the other material BOA used to determine that I was not a good credit risk -- or, stated alternatively, that I was more likely than average to default on my savings and checking accounts -- BOA closed my accounts on XXXX XXXX. I have since received XXXX checks from them for the small amounts of money I had left in these accounts. 

However, there is a much larger check that I have not received from BOA, in the amount of approximately {$800.00}, that is the balance in a savings program in which I enrolled during 2011 that BOA calls " Keep the Change ''. Like automatic savings programs at other banks, " Keep the Change '' rounds up the dollar value of transactions and places these small amounts -- XXXX cents here, XXXX cents there, XXXX cents, etc., and so on -- in a non-interest bearing " Keep the Change '' account. 

By the time the Bank decided to close my accounts, I had accumulated {$800.00} cents in that special savings account. Let me make it plain that this was MY money, deducted from my checking account over a period of XXXX years by the Bank, but I have yet to receive a check for that amount, and it seems that my wait may be in vain. The person at the Bank, XXXX XXXX XXXX ( reachable at XXXX, ext. XXXX ), who was in charge of terminating my accounts, denies any knowledge of this account or this program, and refuses to acknowledge that I am owed this money. 

Plain and simple, I want my money back. Who knows how many accounts are being closed using the Qualifile credit scoring system, and " Keep the Change '' accounts being seized along with those closures? I think there is something brewing that constitutes another fraudulent and illegal pattern of behavior by a big bank. Please help me get my money back, and the money of others who are being ensnared in these little schemes. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am an XXXX XXXX veteran. I have been considered XXXX XXXX XXXX XXXX by the Department of Veteran Affairs ( VA ) due to my XXXX XXXX XXXX, effective XX/XX/XXXX. On XX/XX/XXXX, the U.S. Department of Education and XXXX ( XXXX Discharge ) approved my XXXX XXXX XXXX XXXX ( XXXX  ) discharge application of my federal student loans on the basis of my XXXX XXXX XXXX XXXX. Copies of the aboved documentation were sent to Navient and XXXX XXXX via certified mail on XX/XX/XXXX. Thereafter, numerous telephone requests to cancel the remaining outstanding balance of my student loans indebtedness due to my XXXX XXXX XXXX were made to Navient. I also sent an email to XXXX, to no avail. On XX/XX/XXXX, I sent a second certified mail to Navient requesting that they discharge my student loans and to report to the three ( 3 ) credit bureaus that my accounts have been paid in full. To this date Navient has not taken action on my requests. As of today, XX/XX/XXXX, Navient website shows that I owe a total balance of {$22000.00} ( Account # XXXX ). Further, the loans balance continue to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me? 
I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (UT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Signed up for a checking account under a promotion to receive a {$200.00} within 60 days after having a direct deposit of at least {$300.00} post to the account. I met the terms of the promotion, but the bank has not given me the {$200.00} within the timeframe specified in the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CHEX Systems has not deleted the fraudulent XXXX credit card application and has not deleted the fraudulent address used for that which is XXXX, XXXX, CA XXXX. It is still on my file, NOT DONE. Letter from them was from the Consumer Relations dept which knows nothing about it, and said it was done, and gave me a phone number only for Consumer Relations., and on the next page all the fraudulent activity was still listed. Delete XXXX and delete this XXXX address and send me a clean copy by mail.

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 04/22/2016 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Billing disputes

Complaint: Amazon syncphony bank credit cards company have raised the interest on my credit twice without notice this change was added to my bill. I am filing this compliant because I am an old customer so if any changes had to take place it should be with new customer. Credit card company states over the telephone to file an compliant because Ftc raised the interest. Also, I did not receive a bill at all in 2015 and my bill was only on time which is due every XXXX day of the month. The bank reimbursed XXXX late charges in XXXX/XXXX/2015 in the amount of {$55.00}. I made numerous compliant to resolve this situation so I am contacting you because the are several more reimbursement which they fail to reimburse so I need your help as well. On XXXX XXXX, 2015 {$25.00}, XXXX XXXX, 2015 {$25.00} also overlimit fee {$35.00}, XXXX 2015 {$35.00} in total in fees {$120.00} needs to deducted from my credit cards late fee. In XXXX 2015 on my bill there is a {$45.00} which I did not order In my daughter and I was in XXXX XXXX from XXXX XXXX, 2015 until XXXX XXXX, 2015 due to water damage at my house. My temporary address XXXX XXXX, XXXX, SC XXXX why would I purchase anything online. In XXXX XXXX, 2015 I purchase XXXX XXXX dinnerware for XXXX the shipped arrived the entire purchase was destroy in tiny pieces so I could not send them back and I made amazon aware of situation and no refund was given in the amount of {$39.00} XXXX. 

My credit card bill should refunded in the amount {$200.00} plus interest. The old interest was 25.99 % and now it is 26.24 %. I am glad I closed my account and I will rid this card shortly. 
My bill was always paid in a timely manner, no late or over the limit fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2017 about Credit reporting () with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After reviewing my credit report from your bureau, I found the underlined information on my report. I do n't believe it 's mine so can you remove it from my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.

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