milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Focused Recovery Solutions, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company Focus Recover Solutions to see if they could collect the money owed. Focused Recovery Solutions did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but XXXX will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but XXXX  still say that the item belongs to me. I even try to get the collection agency on the phone with XXXX, but the representative from XXXX say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked Focused Recovery Solution to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: We were making payments as agreed  with GM Financial on our account for the balance left on our vehicle that was a voluntary repossession . They wanted to raise our payments & provide additional credit towards our balance. They also offered a settlement option  XXXX   2016 . Based on the information they provided at the time, I agreed to the settlement. I am attaching supporting documentation for the {$9000.00} settlement. I took the amount out of my pension account & considered the debt weighed more than the the tax penalty. In  XXXX   2016  we received the settled in full letter. In addition without ever notifying me through this process, we received a  XXXX  for {$8000.00}. This was double impact to our taxes. I called  XXXX  & inquired as to why we were sent the  XXXX  & was advised that IRS required it to be sent out end of story. They failed to disclose this detail when they offered the settlement. I would have never proceeded with the settlement offer & would have worked out an acceptable revised payment plan. I am now faced with tax penalty on my retirement & additional taxable income based on the  XXXX . This was very negligible on their part & I hope you are able to assist with reversing the  XXXX  due to non disclosure. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2010 CitiMortgage, Inc. recorded a judgment on me in the County Courthouse. I have paid all the money to CitiMortgage , Inc . They refuse to release the judgment from the courthouse. This is stopping me from selling my house. CM tells me the lawyer who recorded has to release. The lawyer tells me CM took the account from them and they have no authority to release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Leviton Law Firm, Ltd. (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was approached via phone and email by a collection agency posing as a law firm in the collection of a debt from my business. They offered little detail about the identity of the debtor and used words that indicated they were representing a law firm. 

In an email they sent to my personal email address, the subject matter was " XXXX CASE # XXXX '' The collection firm represents themselves as The Leviton Law Firm and is using a false representation by implying they are communicating with me as an attorney. Their tactics are aggressive and not consistent with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Application, originator, mortgage broker

Complaint: Bait & Switch by Bank of America. When purchasing a 2nd home for use by my family, a week before closing, B of A refused to honor the originally quoted interest rate because I had requested early occupancy by the owner, for which I agreed to pay one months ' rent. B of A said that because of this, the property had to be financed as " Rental Property '', thus raising the interest rate by XXXX points. I told B of A I would not be renting the property at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a XXXX with a friend who bought a XXXX. 
in that process he opened XXXX XXXX and needed merchant service accounts ( servicing all the credit card trasnsactions ) at all XXXX locations. I had to sign the merchant service agreements for all XXXX locations for a five yr term as his credit was n't good enough at the time. After 2 years all the stores had failed. The Merchant service company -First Data wanted me to pay for the {$540.00} a month for each store after they were closed for the remaining 3 years. I offered to send them back their equipment and told they are no longer offering any service. They wanted a settlement figuire for a substantial amount. I was trying to work out some arrangement with them so I offered a {$100.00} a month for as long as they wanted the payments to be made. They wanted some lump sum settlement and then they filed on my credit report that it was " Bad debt & placed for collection & skip ''. This is what is reported under XXXX. XXXX shows it as " Charged off as bad debt ''. 
It has caused my credit score to drop seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with FLAGSTAR BANK, FSB (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Mortgage loan for Flagstar Bank still reflecting on my credit report and was closed /transferred in XX/XX/2004. Past time for loan to remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,   XXXX  , I notified my  XXXX   XXXX   XXXX  that I had both moved and purchased a new vehicle and was moving my insurance to another company. I provided the proof from the vehicle purchase, proof of coverage from the new insurance company, and a written ( emailed ) statement of the cancellation. I had paid a full month 's premium on  XXXX   XXXX  and was not provided a refund for the pro-rated portion.     In  XXXX ,   XXXX   I began to receive outside collection notices claiming I owed a month 's premium and my account had been " cancelled for non-payment of premium. '' I contacted my agent,  XXXX   XXXX . At that point I was told by  XXXX   XXXX  that  XXXX   XXXX  was no longer the agent and that she would take care of the issue. In  XXXX ,   XXXX  ,  XXXX   XXXX  assured me the situation had been rectified and no collection would continue.     I have received another collection notice as well as having been informed that it is showing up as an uncollected debt on my credit report. I am working hard to rebuild my credit after   XXXX   XXXX   resulted in a loss of all assets and personal bankrutpcy. I have both contacted  XXXX  and sent a letter to the collection company more than once, to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Equifax obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Equifax says the furnisher of the information is the courthouse, that is a big fat lie. How can Equifax say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Equifax. I also have numerous address and names attached to my Equifax credit report that DO NOT belong to me.. I demand that these inaccuracies be deleted immediately or I will sue Equifax for each violation. I am tired of going back and forth with Eqifax about this and I am prepared to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2015 I had an appointment at the Bank of AMERICA ( BOA ) to acquire about Loan to purchase a new car since I am living in Texas unable to maintain my Medical appointment at the XXXX XXXX XXXX, Texas or visiting other Physician at XXXX clinic. including shopping for food. Going to Church I have found out that XXXX has denied my credit based on Information according to XXXX.. Saturday XXXX XXXX, 2015 I went to XXXX XXXX to purchase a XXXX XXXX I found out the same issue regarding XXXX and XXXX keeping record on me. A company that beneficial from the TARP money and was prosecuted by the USDOJ for Discrimination against minorities for loaning at a higher rate.gestapo keeping record for the next train to XXXX in XXXX WHEN ITS COME TO MINORITIES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase modified my loan, but did not credit me the HAMP incentive for on-time payments per Fannie Mae for {$83.00} and applied to principal for the 1st 5 years and then credit {$5000.00} on my 6th anniversary. We have applied for the 5th year anniversary {$5000.00} payment, but we have not received any credits of {$83.00} toward principal. 
XXXXXXXX XXXX HAMP Modification - Borrower IncentiveIf the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by XXXX % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} ( {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 


The following conditions must be satisfied : The servicer must have provided a HAMP Registration Form and HAMP loan setup data prior to the effective date HAMP modification. 
The borrower 's monthly mortgage payment ratio must be equal to or greater than XXXX % prior to the implementation of a HAMP modification. 
XXXX HAMP Modification-Expanded Borrower Incentive '' pay for performance '' principal balance reduction payment of $ XXXXThe following conditions must be satisfied : the mortgage loan mustbe a XXXX lien conventional mortgage loan that was previously modified under HAMP XXXX be in good standing as defined in Identifying Loss of Good Standing in XXXX, XXXX HAMP Modification on the sixth anniversary of the Trial Period Plan effective date ; andnot be paid in full. 
the servicer must have received an executed Real Estate Fraud Certification ( Form XXXX ) or U.S. Treasury Department 's ( Treasury ) " Dodd Frank Certification '' from the borrower on or before the sixth anniversary of the HAMP Trial Period Plan effective date or XXXX XXXX, 2016, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Simon’s Agency, Inc (NY).
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 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : XXXX XXXX Simon 's Agency have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {XXXX. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep XXXX ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with XXXX, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. XXXX is now in violation of sections 623, 609, 1681 and 603. Simon 's Agency is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I called someone on  XXXX  and  XXXX  requesting the extended fraud alert he removed. This alert is preventing me from purchasing a car. I was told on  XXXX  that it would be  24 hours and t he alert would be removed. I called   XXXX   and the alert is still there

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 03/16/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Credit decision / Underwriting

Complaint: This old Wells Fargo Bank account is causing me irreparable financial harm. I was issued a XXXX Cancellation of Debt years ago.

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 09/29/2017 about Debt collection (Other debt) with EXPERT GLOBAL SOLUTIONS, INC. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: NCO/EGS KEPT CALLING MY WORK AND CELL AND IGNORED CEASE AND DESIST AND FINALLY WENT ON MY CREDIT REPORT. 

XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: Company keeps calling and harassing me even though I have made arrangements for my 1 month late payment. They also are leaving voicemail 's on my family 's house phone stating that " XXXX needs to call them back ASAP regarding a very serious debt ''. This company is now calling me and hanging up on me repeatedly throughout the day disturbing me.

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 10/30/2017 about Debt collection (Payday loan debt) with Weinman Acquisition Group (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I had a call Weinman acquisition collection company on XX/XX/2017 about XXXX XXXX and it instructed me to push 1 and I did. A gentleman came on the phone and I listening and he told me it was a bad debt for cash net and I tried to ask him how much was left owe and he then stated at this time I was a rude lady. I hung the phone up. The Gentleman called me back and said this will not make you debt go away. I asked again how much was left owed he stated at this time I should know and he also said I was XXXX and that I was XXXX. I asked to speak to someone else and he said you are not speaking to anyone else. I started making a noise make him listen. I then decided to hang up on him. I had to look on my caller ID to get a number to call back. I was sent to a director named XXXX and explained exactly what happened and I told her that was degrading and I do not believe that he should have spoke to me that way.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Late fee

Complaint: I attempted to pay a closed account through online payment 15 mins before their XXXX ET deadline and could n't get through to their website. At XXXX ET, I was able to login and pay and was still assessed a {$37.00} dollar fee. It is the second consecutive month where I was assessed this fee after paying minutes late due to login issues. All correspondence via phone with BarclayCardUS have been hostile saying that there were no issues and that no screenshots that I sent them would be accepted because there are no problems on their end.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear XXXX, Trans Union, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of 10 Billion Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: This is an ongoing complaint against Wells Fargo Bank NA.this will be my last complaint to expose them on how they do business and take advantage of a situation to suit there needs and manipulate the rules to there satisfactions.

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