milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had a credit card back in  XXXX  I did not pay it, I believe it was   XXXX   XXXX  , the balance was approx.  XXXX . A judgement was filed against me in NJ court by the original creditor. The debt was then purchased by  XXXX   XXXX  and they filed an additional judgement for approx {$2800.00}. On  XXXX   XXXX ,  XXXX  my checking account was levied by  Pressler & Pressler  of {$2400.00} plus {$120.00} service fee to my bank. I was left with {$0.00}, I am a single parent raising an adult with  XXXX . I was FURIOUS. I calle d Pressler & Pressler I w as hysterical crying, the attorney I spoke to,  XXXX   XXXX , was laughing at me. She is a disgrace to that profession. I was left with no money and a hold on my bank account which I still have on it to this day. I contacted the court in  XXXX  NJ where this was filed and was informed the amount is a few dollars short of {$3900.00}. Having recently gotten a job I did not want any type of garnishment filed ( which they were going to do ) I am in a payment arrangement with the NJ court now, I have paid them {$400.00} in addition to the {$2400.00} they swiped from my bank account. I have to pay the entire amount of {$3800.00}. and then go to NJ and get the release of the judgement and hope that is the end of it. I recently had my credit run and  TWO  judgements came up, the one I am paying off, which on my credit report it is for less than the court is claiming I owe. And the  Original one  that the second  one  is based off of. Needless to say that did n't look good. So, how do I get the original purchased judgement removed? And how is it possible that a judgement of {$1900.00} has ballooned to {$3900.00} and they were able to wipe my bank account clean? I have no rights? I was told I could come down to the court with  three  months bank statements and maybe get {$1000.00} of my money back. I have a job, a   XXXX   with  XXXX  and I do n't live in NJ anymore, how would that be a feasible option? I feel like the court is in bed with this  Pressler and Pressler , and HOW does a judgment filed by  XXXX   XXXX  get collected on by  Pressler and Pressler ? And that attorney,  XXXX   XXXX  should be disbarred ; she is a disgrace. I have to believe I am not the first nor the last to complain about  Pressler and Pressler , they seem to have quite a track record of preying on consumers. And  one  other thing, the address that  XXXX   XXXX  told me the notices were going to, I have not lived at since  XXXX . Which means they were getting the items returned. I had not received ( until recently ) a single piece of mail stating this debt existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2016, Transunion Credit Bureau was issued an order for deletion through the XXXX system used by XXXX. Transunion still refuges to remove both debts from my credit report. I have spoke to them 30 times even XXXX faxed deletion control numbers to them. Please help me get these XXXX debts removed : XXXX for XXXX for {$17000.00} and {$550.00}.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus XXXX  XXXX XXXX Experian are reporting my business as being under a parent company XXXX XXXX XXXX XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of XXXX credit report showing this.

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 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I submitted a request to remove inaccurate information on my credit report and it is still on the report. I want it to be removed as soon as possible.The names to be removed are XXXX. XXXX XXXX. XXXX. These are not my names.

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 11/21/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received 5 phone calls from 5 different numbers within the past week, each one identified as " PORTFOLIO RECOVERY. '' I finally answered a call from XXXX, and the caller identified herself by name only. She asked to speak to " XXXX XXXX '' ( assumed spelling ). I replied by asking her who she represents and what was the nature of her call. She simply repeated her demand to speak to " XXXX XXXX, '' so I demanded that she remove this number from her call list and hung up. 

" XXXX XXXX '' has never been associated with my phone number, which I 've had for well over 10 years. 

The callers refusal to properly identify the business that she represents and the nature of her call is a violation of fair debt collection practices. Had the caller provided this information, I would have been forthcoming in my response, telling her that she must have the wrong number and asking her to remove my number from her business 's call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Short sale and Foreclosure conflicts - in early XXXX 2015, I spoke with XXXX XXXX or another bank individual regarding my home loan. I requested to go forward with short sale proceedings. While I was informed by the bank that the loan was in foreclosure, no action had been taken. Well, over the weekend I received a notification from XXXX XXXX. XXXX in XXXX, VA and learned that my loan was referred to their offices on XXXX XXXX, 2015 for foreclosure. The letter from the attorney also states by law I am not allowed to stay in the property unless conditions are met. It is evident Bank of America - did not cancel the foreclosure proceedings once I agreed to a short sale. 
An appraiser came to my home in early XXXX 2015 for what I thought was a part of the short sale process - now I believe it was ordered by the bank for foreclosure. Since my request to go forward with a short sale - I have had XXXX different Customer Service Relation Managers : XXXX XXXX, XXXX XXXX, and now XXXX XXXX, however, the call goes straight to voicemail. She sent me emails with information that is no longer valid ( see enclosed ). When I was finally able to log into the short sale system - she had already declined my request. Much of the documentation in the welcome package requires information regarding a realtor. It was not until last week, that I was able to obtain any interested realtors as this is not their first choice of home selling. I am requesting that I be allowed to short sale my home for financial and creditworthy purposes - that Bank of America cancel the foreclosure proceedings, and keep me constant with one Customer Relationship Manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit card () with Evans Law Associates, P.C. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A caller from someone claiming to be from Evans Law Associates continuously calls my family, and myself. The person on the other end of the line is very rude, swears at my family members, and threatens ridiculous things. Their callback number is XXXX XXXX XXXX. 

When I call the law office they have no record of me so this is obviously a scam.

Company response to consumer: Untimely response
Consumer complaint received 10-12-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Late fee

Complaint: My XXXX-year-old mother incurred a {$29.00} charge on her Sears/Citicorp credit card with payment due on XXXX, 2016. She wrote a check ( # XXXX ) on her XXXX XXXX XXXX account for that amount on XXXX XXXX, and mailed it on XXXX XXXX. Sears/Citicorp acknowledged receipt of the check on XXXX XXXX, a full 10 days after it was mailed. The check cleared on XXXX XXXX. 
As a result of being one day late ( either because of mishandling on the part of USPS or Sear/Citicorp ) my mother incurred a late fee of {$31.00}. Thinking this was a billing error*, she did not contest the fee. As a result the monthly fees mounted, reaching in excess of {$90.00}. 
I have power of attorney for my mother, and she requested that I help her in disputing these fees after she herself attempted unsuccessfully to do so. I sent a copy of the POA via fax to Sears/Citicorp on XXXX XXXX using a number XXXX of their customer service representatives gave me. When I called a week later, their customer service representative indicated that the company did not receive the fax because I used the wrong fax number. She provided me an alternative fax number. On XXXX XXXX I sent the same material to the XXXX numbers I had been given. The company acknowledged receipt in letters to my mother dated XXXX XXXX and XXXX XXXX. 
I subsequently called Sears/Citicorp and requested to have all the late fees waived. They were unwilling to do so, even after learning of the circumstances ( XXXX-year-old cardholder who mailed her payment nine days prior to the due date ). They were willing to waive only one month of fees, leaving me to pay {$62.00} to reduce my mother 's balance to XXXX. 
I understand that, technically, Sears/Citicorp has the right to impose these fees under their agreement with cardholders. However, I find their actions unconscionable. They have potentially damaged the credit score of an XXXX individual who faithfully pays her bills, and have caused her XXXX about the consequences. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX my mother mailed XXXX additional checks to other vendors ( XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX XXXX ), each of which cleared her XXXX account no later than XXXX XXXX. On XXXX XXXX and XXXX my mother mailed XXXX checks ( to XXXX XXXX XXXX, Town of XXXX, and XXXX XXXX XXXX ), each of which cleared on 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 monetary relief
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with RSI Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RSI Enterprises continue to call my home early in the morning up until late night from various different numbers, they leave a message advising that they are a Debt Collector. I have not spoken with them but I do not have any business with them and would like them to discontinue calling my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with INTERNATIONAL CITY MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX has repeatedly reported late mortgage payments made on time and verified via confirmation. International City Mortgage ( ICM ) has failed to assist/correct the fraudulent reporting of its mortgage payment processing center " XXXX XXXX ''. The excuse for the failure of XXXX XXXX to properly and promptly apply payments provided by ICM is that we provided " incorrect account information :. THE ACCOUNT INFORMATION ( BANK/ROUTING NUMBER ) WAS PROVIDED EXACTLY AS INSTRUCTED BY XXXX XXXX AND IS EXACTLY AS NOTED ON OUR CHECKS. Every payment has been made on time and is verified by confirmation statements sent by XXXX XXXX at the time of every payment, leading us to believe our payment has, in fact, been correctly processed. Weeks later, we receive a letter via US Mail stating they have not received payment. XXXX XXXX then assesses late fees and reports late payments to credit agencies. Repeated requests for assistance and resolution starting in XXXX and continuing to the current date have gone ignored. The fraudulent reports have significantly damaged our credit. The continued lack of response or ANY resolution indicates a serious customer service issue that must be addressed. Additionally, XXXX XXXX, XXXX ICM Branch Manager, upon obtaining our signature on the mortgage loan, immediately removed himself from any role of assistance, leaving us to attempt to seek resolution thru the main office in XXXX, California ; XXXX XXXX XXXX and XXXX XXXX have provided no relief at all. XXXX XXXX assured us he would " be there for the length of the loan '', if we ever had any problems, he would resolve. We are still waiting for ANY assistance whatsoever. Further, XXXX 's promise to set up a twice-monthly payment to minimize the loan interest has evaporated ; this was a key reason we decided to use ICM. XXXX XXXX appears to be using empty promises and false advertising to sell his product.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: XX/XX/2016 I decided to switch my homeowners insurance to XXXX XXXX. but after a couple of days literally I decided to stay with my old one because I found out that XXXX was higher. I notified nation star mortgage I told them I would mail the Insurance check back to them, which I did. My complaint is that I mailed the check back to them with a letter followed by XXXX phone calls stating to please put it back in my escrow account. When I called they told me it was in my account. When I called in XX/XX/XXXX my mortage payment had increased from XXXX to XXXX. I was very angry. They told me that they paid for XX/XX/XXXX and XX/XX/XXXX mortgage, I asked them Why? I had already paid it! look on your records '' They had taken the escrow check and used it for XXXX payments when they did not have too. When I asked them Why was n't I notified the gentleman told me he did have to it is called Hierarchy '' I told him that 's crazy and I am not stupid! I had to call up to the corporate office 3 months later to get my money put into my escrow. then it went down to XXXX and I called and asked why is it still high? they told me that I had to request a market analysis done..which is still high XXXX. My complaint is that I did have a decent credit score until this happen now my mortgage has a series of late payments which is due to their neglect and their ability to not put my money in my escrow account, along with the fact that they lied over and over telling me it was put in their and then not notifying me about the increase. 
when it was not and then telling me about the nonsense of " hierarchy ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage payments in XXXX due to injury/hospitalizations. In XXXX of XXXX I re-entered a XXXX hospital for over one month. Upon my return on XXXX XXXX, XXXX, I received a notification, via regular USPS mail, from an attorney stating my house is listed in a foreclosure sale on XXXX XXXX, XXXX. I received ABSOLUTELY NO OTHER MAIL, either regular or certified, prior to this notice! I spoke with XXXX different people at Wells Fargo Home Mortgage on XXXX/XXXX/XXXX for over 35 minutes and still have no answers. A full mortgage payment was mailed to Wells Fargo Home Mortgage on XXXX XXXX, XXXX. I went through over 18 months of this with Wells Fargo in XXXX. Finally, after dealing with at least XXXX different people and submitting the same information over and over, my loan was " modified '', raising both my payment and interest rate!!. Once again, I am dealing with an unbelievable issue again! How does my house get on the auction block without ANY notification at all from Wells Fargo Home Mortgage?!? No phone calls, no mail of ANY KIND! This is another outrage, XXXX The recent XXXX. I filed a complaint to the XXXX in XXXX, which was forwarded to the CFPB. I am now looking at filing a suit against Wells Fargo Home Mortgage for this current outrageous action! They have absolutely no proof that they sent me any " warning '' correspondence of impending foreclosure action. Once again, I have to deal with the incompetence of Wells Fargo and their lack of explanation. The stress they caused me in XXXX XXXX and here I am again, facing XXXX. Again, I need answers and help NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : I am a victim of identity theft/fraud. I have disputed the information through the credit bureaus and I received a letter in the mail stating that they did n't think that it was me that initiated the disputes. One account, XXXX XXXX XXXX was removed and deemed that it was indeed fraud. I am expecting that to happen with these other accounts. I am attaching my DL, a copy of my identity theft report, and a current utility bill. My expectation is that these accounts are removed off of my credit report immediately. The accounts are as follows : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. I truly appreciate this being rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold checking account with Citibank. I was induced to sign up by a promotional code that I received. The promotional code was for XXXX XXXX XXXX points. I completed all of the requirements for the promo. After completing the requirements, I called CitiBank XX/XX/2016 to verify that I met the requirements to receive the promo. The CitiBank representative informed me that I indeed met the requirements. Further, CitiBank sent me a secure email stating that I had met the requirements to receive the XXXX XXXX points. They also informed me that I would receive the points within 90 days. I waited over 90 days before contacting Citi again. During that time I was paying {$30.00} per month for my CitiGold Checking account. When I spoke with Citi after the 90 days they informed me that they would have to investigate if I qualified for the promo. I told the rep that I had an email from Citi from XX/XX/XXXX that said that I qualified for the promo. The rep told me that Citi would still need to investigate and that I would receive a secure email from them in 1 to 2 days. After 3 days I still had not received the secure email from Citi or the XXXX points. I called citi again and the rep that time told me that the investigation would take another 7 to 10 days. During the entire time of their investigation I will be paying {$30.00} per month for the CitiGold account. I would like to receive the promotional points that I was promised under the terms of the promo and by the email I received from CitiBank in XX/XX/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 monetary relief
Consumer complaint received 05-05-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting getting telephone calls from this company asking for XXXX XXXX on my mobile phone. I have stated to the representatives I have talked to that they have the wrong telephone number. But, they keep calling my number time and time again. This has gone on for four months now.

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