milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown account and no way I owe {$540.00} on a bill. Disputed and requested validation, never received

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: NATIONSTAR MORTGAGE LLC 'S PRETENSE IS FINALLY EXPOSED -- - PURPORTS TO HAVE TAKEN OVER THE SERVICING OF OUR MORTGAGE LOAN FROM AURORA LOAN SERVICE IN XX/XX/XXXX -- -YET, XXXX INVESTIGATION IN XX/XX/XXXX REVEALED THAT AURORA ACCOUNT DID NOT EXIST. HENCE, ITS DELETION FROM XXXX XXXX 'S CREDIT REPORT. CORRESPONDINGLY, A SUBSEQUENT INVESTIGATION OF NATIONSTAR 'S ACCOUNT IN XXXX XXXX BY XXXX REVEALED THAT IT IS ALSO NON-EXISTENT. PLEASE SEE DELETED ACCOUNT OF NATIONSTAR FROM XXXX XXXX 'S CREDIT REPORT. 

THIS ALLEGED ACCOUNT ( NATIONSTAR ) - IS THE BASIS OF THE UPCOMING TRUSTEE SALE OF OUR HOME TWO WEEKS FROM NOW - XXXX XXXX, XXXX ( REFERENCE CFPB CASE XXXX NATIONSTAR ; XXXX XXXX, AND XXXX XXXX XXXX XXXX -- - XXXX ENTITIES IN CONNIVANCE TO STEAL OUR HOME.. ) WITHOUT A LEGALLY EXISTING ACCOUNT AS BASIS FOR THE NOTICE OF DEFAULT - IS IT LAWFUL FOR NATIONSTAR-XXXX TO SELL OUR HOME IN FORECLOSURE AUCTION? 

THANK YOU FOR YOUR URGENT HELP AND INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Billing disputes

Complaint: I send my credit card payment on time every month and they charge me fees in the form of interest, I have contacted them once before and they said it would not happen again, It has happened again and they charge finance charges,,, I always send my bill 8 days before it is due. Thank you for your help XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, Reference : green tree denial letter dated XXXX XXXX,2015, Labeled # 1Income was incorrectly calculated not based on correct DTI or NET INCOMEReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 2This hardship is temporary and has been resolved ; I still need a loan modification to lower my monthly payments so I can keep my primary residence and increase my earnings. 

Reference : green tree denial letter dated XXXX XXXX,2015 Labeled # 3Gross income and DTI were calculated incorrectlyReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 4From my understanding, I qualify for a streamline modification because my credit score is under XXXX and AGAIN MY INCOME WAS CALCULATED INCORRECTLEY AND MY DEBT TO INCOME IS not AccurateResolution ; I would like to see patterns from green tree lending on Debt to Income miscalculations and denials of modifications in error I am requesting a review of all financials by a qualifying manager, or VP whom has an understanding of XXXX individual, which may include review by a CPA or any qualified individual that is familiar with sole proprietorships. 

Modification has been in review since XXXX 2015, with no Final resolution. 

Green Tree is threating to foreclosure on my primary residence. I am not current on my payments and this letter is inaccurate. 

I am requesting my complaint be forwarded to the Department Of Justice and FDIC for further investigation of misrepresentation and inaccuracies for those indicated in my letter, but others with the same issues/hardships due to the economy. 

Respectfully and Humbly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I XXXX XXXX appreciate everything Wells Fargo has done for me, especially helping me re-establish a new trade line for my mortgage modification. My complaint will show that my original mortgage was procured with Wells Fargo Home Mortgage back in XX/XX/XXXX. The loan was taken over by their servicing company known as XXXX XXXX XXXX. The old mortgage is reporting on XXXX  under Wells Fargo Home Mortgage, and under XXXX XXXX XXXX with XXXX and XXXX XXXX. It makes no difference to me how it is reported as the time for its removal is upon us. All bureaus show a cut off of at least five years payment history. I believe that my original mortgage was late as far back as XXXX. In any event, the time has expired in my opinion, even though at the very latest this original mortgage would come off XX/XX/XXXX based upon both servicers showing XX/XX/XXXX as an original default date. The 7-year timeline under the Fair Credit Reporting Act applies and therefore both servicers have an obligation to remove the old account mortgage permanently.

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 10-07-2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: ZWICKER FAILED TO RELEASE 2 JUDGEMENTS FROM MY RECORD, CASE NO.
XXXX XXXX XXXX, IN THE AMOUNT OF {$12.00}, XXXX AND {$2.00}, XXXX. THE LESSOR JUDGEMENT INVOLVES AN ERROR IN REPORTING OF {$2.00}, XXXX, SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, 2016 I went online to pull my free annual credit reports from all XXXX agencies. I went first to Experian. There was an ad for a " free FICO score for {$1.00} '' which I was going to request but when I read their disclaimer that their {$1.00} " free '' FICO score IS NOT used by lenders I decided not to. 
The Experian website is difficult to use and very confusing unless you want to give Experian your hard-earned money. Printing out a readable copy of my " free '' Experian credit report was confusing and difficult. I use computer ALL the time and prepare tax returns for a living so if I say it 's confusing, IT 'S CONFUSING! I exited the site then and there realizing that their website is not REALLY designed to help you find your free credit report. I then made my way to 'annualcreditreport.com '. I was eventually able to print all XXXX credit reports on XX/XX/XXXX ONLY. Experian charged me {$21.00} for a " free credit report ''. .Experian debited my bank account for {$21.00} on XXXX XXXX, 2016 ( 10 days later )!!!. I ordered nothing from them. I tried to contact Experian about this but they have no customer service number and no information about their overcharging customers. I only have XXXX credit report from Experian dated XXXX XXXX, 2016 that should be free. I did not order anything from Experian to my knowledge nor did I receive any receipt or communication from Experian stating that I had done so. I would like a refund immediately of the {$21.00} Experian took from my bank account without my knowledge or consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I obtained my Equifax credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I had previously opened a simple checking account at Wells Fargo. Soon after, during a visit to the branch I was approached with the recommendation of opening XXXX separate accounts! They convinced me to open a separate account for each and every rental house I own. They spoke of tax benefits and gold memberships and things that did n't make much sense but they sold me, after I made sure there were no fees attached to these accounts. I specifically never open accounts that will charge me fees. Never. And I would never ever open XXXX accounts with fees!! I was assured by XXXX XXXX that no fees would be charged to these XXXX checking accounts. I found XXXX checking accounts to be cumbersome, confusing and impossible to manage, and worse, after three months had passed, I began to notice service fees being taken out of XXXX of those accounts!! I was furious! I went back to XXXX XXXX who convinced me to open all these accounts, and demanded to know why they were charging fees when she specifically promised me there would be no fees. She had the audacity to tell me it 's just the first three months in which no fees are charged, but after three months the fees start. No way had she ever told me this. This woman straight up lied to me. She specifically told me no fees would be charged. NO way would I have opened XXXX extra checking accounts that I did not need, and pay XXXX times the fees. I was lied to and cheated, I was used to boost the bank 's new account ratings and stock prices. I was a pawn, not a customer. I was used and cheated by Wells Fargo Bank.

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 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: In XX/XX/XXXX I received a notice that I owed a debt on a utility bill. It was not in my name, but a botched version of my name, so I ignored it. I called the utility company and they said they had no record of it. 

In XX/XX/XXXX, I received notice on my credit report that this same company. Assett Acceptance of Michigan filed for a wage garnishment in XX/XX/XXXX and won it. They took my State income tax refund in XX/XX/XXXX. Still never giving me proof of this debt or showing me an original bill. They are a scavenger debt collector. 

They are using variations of my name. XXXX is my maiden name from XX/XX/XXXX, which I have not used since then. XXXX was my married name which I stopped using in XX/XX/XXXX. I repeatedly ask them to cease and desist but they continue to harass me for something they refuse to prove was valid. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A medical collection account of {$100.00} is being reported in my Experian credit report. This is the only agency reports it. I disputed this information with the Experian. I received a response stating that they verified the information. Since the reporting agency claims the account was validated, I disputed the account with the reporting collection agency. 

The collection agency did not reply to my validation request. Since I could n't get a response from the collection agency, I asked Experian to either share the information about who validated and what method was used to validate this alleged collection account or delete it from my report. 

As a response, Experian send me a copy of my report again saying the account was disputed in XXXX 2015. 

As of today, after XXXX disputes, Experian did neither delete nor properly investigated this account. 

first dispute with Experian : XXXX 2015 Dispute with Collection agency : XXXX 2015 Second dispute with Experian : XXXX 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain tillXX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two  other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have been a credit card holder with Capital One since XXXX. I paid my bill on time every month until XXXX. I had a very devastating financial hardship. As a single mother of XXXX small children, it was hard for me to find a job that fit my schedule, as I was very limited to child sitting resources. I had to constantly switch jobs just to fit my babysitters schedule, so it was hard to balance finances. Due to the problems I was having, I made a total of 5 late payments to Capital One. The last one was 5 months ago ( which was Capital One 's fault ). I 'm finally stable with a permanent job and stable income. I 'm in the process of fixing my credit so I can possibly become a homeowner in the next two years. On XXXX XXXX, XXXX, I emailed the CEO of Capital One a goodwill letter pleading to them to remove my late payments as they are really affecting my XXXXredit score tremendously. I received a call on Monday, XXXX XXXX, XXXX, stating that they WILL NOT remove my late payments for me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have spent over a year trying to get all three credit reporting agencies to correct incorrect negative reporting of XXXX XXXX XXXX XXXX. They are reporting XXXX XXXX, as delinquent. I had requested an extension for that month, due to an extreme medical emergency. I have talked by phone to several different agents who were extremely rude and were not sympathetic to my concern of my wife 's mental breakdown and the financial burden caused by it. I have been told by one agent several months ago that she had deleted and it would reported to all three credit reporting agencies, however it was not. Others said I would need to talk to another department, only to be disconnected. I explained that I had, had two auto loans with them and only had only one late payment reported and it was not correct. I have asked for a goodwill deletion by phone and letter as this was hurting my XXXX XXXX. They have no sympathy for a loyal customer. I am XXXX and my wife is XXXX, and I need a better XXXX XXXX to admit my wife, who has XXXX XXXX XXXX, to a assisted living facility. I need help if at all possible. It is on all three XXXX XXXX, XXXX XXXX XXXX. The account number is XXXX. Comments on the internet are that Capital One is the worse companies to deal with to make corrections or help their customers. Please help me if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCC Business Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DATE REPORTED XX/2017 AMOUNT : XXXX ACCOUNT : XXXX The account balance is incorrect, please delete. 

THIS DEBT WAS HANDLED IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: As a Pnc bank customer, I responded to a promotional offer which was to deposit {$300.00} in my account if I agreed to open the virtual wallet account with a {$5000.00} deposit. The bank representative, located at the Pnc XXXX branch on XXXX XXXX in XXXX, VA, did not give me paperwork or written materials on the offer, which was sent to me as an existing customer via email. So I opened the account, met the conditions as outlined but never received the {$300.00} promotion consideration. When I filed a formal complaint with Pnc bank I was told I did n't meet the conditions. I asked for an explanation of what conditions I did n't meet from the bank in writing. I 've never received anything in writing. The bank assigned someone to investigate my complaint. I have called this person at least half-a-dozen times. They 've never gotten back to me. That 's where it stands today. I do n't hear anything from Pnc bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (IN).
Issue: Struggling to pay mortgage

Complaint: Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues. 

Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage. 

Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To whom it may concern : This is to let you know that EXPERIAN has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX & XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is PRIOR to XX/XX/XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( XXXX , XXXX XXXX Experian ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
EXPERIAN should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, Experian is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. Experian has failed to do so. Experian has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, Experian should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against Experian for FCRA violation and character defamation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation