milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MCM is reporting a debt on my credit report I do not recognize the debt as mine and when I asked them to validate the debt- they sent me the attached letter. According to the FCRA they, as a credit collection agency, are required to validate a debt. It looks to me like they are just cooking up a bunch of numbers. I ca n't provide them with statements for a debt I never had I ca n't provide a fraud or identity theft report because I do n't think that is what happened. I think they are trying to tie my name and SSN to a debt that does not belong to me. And when I asked them to prove or validate that this is my debt, they could not. Therefore, it needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: They give the run around refusing to give me data when they made so many mistakes.Making changes to work against me and my family causing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: Citibank - had fraudulent charges on my debit card. We have been filing a fraud charge for 3 weeks and they keep losing the request. We have spent 4 hours on the phone, and then call back and no one knows anything about it. The charge remains and they refuse to assist.

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 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collector has been calling every single day multiple times for the past 10 months. I have printed out phone records and dates written down of each time they 've called and on multiple occasions I told them I did not have the funds. I tried blocking their phone numbers but they continuously call every single day with a different phone number at all times of the days and nights. It has not been one day in between that they have not called me in months trying to collect a debt. I finally broke down today and told them they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: RE  :  XXXX  I have notified  XXXX  that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am  XXXX   XXXX   XXXX  an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to   XXXX    that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written c ontract, drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would have  XXXX  utility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Failed to supply sufficient documentation of a debt they are attempting to collect in accordance with the Fair Credit Reporting Ac t, Section 611 ( a ) ( 6 ) and ( 7 ) res ulting in adverse reporting to the major credit bureaus and my denial of credit.     I have contacted the company multiple times in writing without receiving a satisfactory response.     I have researched their histo ry. Cavlary 's Consent Order with the   State of Arizona ( my prior residence ) requires positive improvements in how they conduct business. This has not proven to be the case as they continue to fail to disclose properly and   timely.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants Credit Corporation (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Broke lease after I found out that the apartment was full of black mold and was causing illness. tried to resolve issues with the apartment complex to no avail. Made complaint with housing authority submitting medical documentation of pulmonary complications to no satisfaction. remaining financial responsibility turned over to collection agency that will not provide statements, and continue to charge interest on original amount. I have endured great stress and financial difficulty in finding housing because of the breaking of the lease. I am a XXXX living on a limited income and these practices are causing great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Other bank product/service) with MORGAN STANLEY & CO. LLC (CA).
Issue: Deposits and withdrawals

Complaint: On Thursday, XX/XX/XXXX, I called and asked my account representative and the account supervisor to withdraw money from my account. I asked to withdraw {$8000.00} and to leave my annuity in place. I was told to speak with XXXX XXXX, Supervisor. He told me that Morgan Stanley did not want to do business with me. I asked him to send the money to the name and address on record and it was not sent. Two days later, I called XXXX XXXX to ask to pick up the check from a local location and I was told that the account was de-linked and that I had to wait. When I asked her how long she could not tell me. As of today, XX/XX/2017, I have not heard from Morgan Stanley and do not know when I will receive my money.

Company response to consumer: Closed
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been sued by Pressler & Pressler and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Payday loan () with DFC GLOBAL CORP (CA).
Issue: Charged bank acct wrong day or amt

Complaint: I obtained a pay day loan from XXXX/XXXX/XXXX from Money Mart. The online application asked how often I was paid to indicate my repayment date. My next payday was XXXX/XXXX/XXXX and money mart pulled the funds from my account on XXXX/XXXX/XXXX causing XXXX overdraft charges in the amount of {$70.00} total and return check fees on my money mart account. I have since had that payment reversed as I should not be impacted as a consumer because there is a glitch in their system. I spoke to Money Mart 's online department many times and requested for a supervisor to return my call. I have yet to hear from a supervisor. I have received mutiple autodialer calls from money mart daily from multiple phone numbers to collect the debt. I have let Money Mart know my intention to file claim with CFPB and requested no additional autodialer calls and I was told I would have to send cease & desist to their support department. I advised that I wanted my cell consent to be removed and they declined to stop the calls. I have answered some of the calls requesting to speak to a supervisor and have been sent to a line that just rings and rings. My account has been documented by the online department of my dispute and that this was a glitch in their system that it still processed my repayment without recognizing my next paydate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is Nationstar Mortgage. I pay $ XXXX/month in PMI. The PMI company is XXXX XXXX. I closed on my loan on XXXX XXXX, XXXX. My PMI certificate cites that my PMI rate is 1.83 % the first 10 years. Starting the beginning of the 11th year, the rate drops to .002 % which means that the PMI will drop to {$44.00}. That means my payment will drop {$360.00} starting XXXX XXXX, XXXX. I have sent certified letters to the company about the decrease in and initially they would only commit to the fact that the PMI would decrease. They refused to give me a quote on the amount of the new PMI rate. I continued to call, email and send certified letters to the company. They committed on several occasions to mail letters with the new amount and I never received the letters. I spent many hours on the phone to the company and made no less than XXXX calls since XXXX. I finally was able to talk to a XXXX XXXX XXXX from Nationstar on XXXX XXXX, XXXX. Within XXXX minutes, he emailed me a letter stating that the new PMI rate would drop from {$400.00} to {$44.00} starting XXXX XXXX, XXXX. Since the beginning of XXXX, XXXX, I have either called or emailed the company almost every day about the reduction in payment. My XXXX house payment is currently due and they have not reduced the payment. I refuse to pay the additional {$360.00}. 
The XXXX Homeowners Act specifically addresses PMI and disclosure. The company is supposed to disclose annually all the details of PMI. I have fought for several years with Naitonstar for information. If my property was appraised today, I would be able to drop out of PMI. But I have been unable to get the company to make any type of commitment or put in writing what would get me out of the PMI. They have violated the law by not disclosing this information. Unfortunately, I think I will have to result to legal action to make them do what they are legally supposed to disclose. They without a doubt have many individuals that are not qualified and the I am appalled at the their customer service. On one day, I made a total of XXXX phone calls and was on hold for hours without getting any help. My mortgage is the most important bill and to have the company so obviously disregard my emails and complaints is beyond ridiculous.

Company response to consumer: Closed
Consumer complaint received 12-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I can not get from chase who services my mortgage, who owns it and who has original loan docs and signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Unsolicited issuance of credit card

Complaint: I have visited Macys store and bough some items on XXXX/XXXX/2016. I realized that my credit card is expired so i told them that i can not use my credit card, but csr said she can look my account with my ssn and still charge my credit card, i told i dont want my credit pulled but she assured that she is just look into account to confirm my identity.on XXXX/XXXX/2016 i opened my macy 's online account to notice XXXX account on my names. So they opened a second account on XXXX/XXXX/2016 with out my knowledge ( i called macy 's customer service and they confirmed it and are investigating it ). 
I know my credit history will lowered due to this and i a m planning buy a new home and due this i might loose XXXX over 30 yrs loan period. Not sure how i can legally proceed with macy 's for cheating 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 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: 1. On XX/XX/XXXX, I called Wells Fargo to dispute three transactions involving XXXX XXXX XXXX. One of the transactions, in the amount of {$180.00} I did not recognize and did not sign for, did not authorize, and does not appear on my hotel receipt/folio. I do not know what it is for. <P/>2. Wells Fargo created a dispute, case # XXXX, for the three transactions. The basis listed as " service not as expected, '' even though for the charge for {$180.00}, the basis should have been listed as unrecognized charge/unauthorized. <P/>3. Previously, I called the hotel/merchant several times, including most recently on XX/XX/17 and attempted to talk with them about the unrecognized charge and other issues. I asked for XXXX XXXX, the front desk manager. They said she would call me back but she has not. <P/>4. Also, I called XXXX XXXX corporate office on XX/XX/17, to talk with someone about the unrecognized charge and other issues. They said they would call me back on XX/XX/17, but have not. <P/>5. The original Wells Fargo representative who took my claim said she was going to attempt to call XXXX XXXX XXXX and call me back. <P/>6. According to Wells Fargo representative # 2, XXXX, the first representative did call the hotel and the hotel refused to talk with Wells Fargo to substantiate the unrecognized charge. <P/>7. XXXX recommended that I open a new dispute specifically about the {$180.00}, and transferred me to do so, saying I had a strong case to win the dispute, especially after the merchant refused to talk to Wells Fargo. XXXX said she wanted me to send the folio, so I scanned it to my computer in preparation. <P/>8. XXXX transferred me to representative # 3, who agreed my dispute was miscategorized, but said she 'd have to transfer me to the business disputes dept. <P/>9. Representative # 4 XXXX ( refused to give ID # ) refused to reopen the dispute, and kept asking me what the charges were for. I said I did n't know because they were not on my folio. I asked to speak with a supervisor. <P/>10. Rep. # 5 XXXX ( refused to give ID # ) was extremely rude, never apologized for the inconvenience of the two hours I had to spend on the phone, and also refused to reopen the dispute. <P/>ANALYSIS : Merchants should not have the right to charge customers any amount they want, without any documentation provided to the customer, and then refuse to provide said documentation to the customer and the bank. The bank should not refuse to dispute an unauthorized charge. At the very least, Wells Fargo should have reopened the case, allowed me to send my documentation, and asked the merchant again to respond. In reality, with the merchant refused to talk with Wells Fargo, it should have been enough to charge back the full amount of {$180.00} and close the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, 2015 my mother passed away. She and I both had several account together at Bank of America. Because of my mother 's declining condition, on XXXX XXXX, 2015 I made a transfer into her account in the amount of {$10000.00} to pay for the upcoming funeral services. Prior to me notifying the bank of her death, the bank froze her accounts XXXX XXXX, 2015 without notification. When I went to write a check for the funeral home services the account was blocked. I have sent in numerous documents to the bank to close the account, however they have sent me numerous requests for duplicate items including the XXXX which I completed XXXX times with their Bank Rep. XXXX XXXX, in the XXXX, NJ branch. I received letters from Bank of America requesting letters of Testamentary which I submitted XXXX times. I submitted a copy of the my mother 's will after they threatened to not close the account and after my attorney advised me against submitting a copy of the will. I have called the Estate Department ( XXXX ) and spoken to over XXXX people, I have their names and date and time I spoke with each person. Each person claims to be either the Supervisor or give me a fake number or name to a supervisor. No one knows the actual status of the account. Several have told me everything was received and a check would be mailed. Then a few days later I receive another letter requesting duplicate information. Please help! I need to finish paying my mother 's past bills and Bank of America has been a nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Yes, 1. I switched phones and i tried to use chase mobile.
i called the number and the phone represetative said he could help me and i asked if he was sure.
then he took my social security number and then said he couldnt help and hung up on me or transfered the call but either way this practice is disgusting.
2. the branch manager at chase in the XXXX or XXXX XXXX did not know how to do a wire overseas and gave me wrong advice and cost me 30 hrs of my time trying to get to another chase from XXXX nc where i moved for work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I I went to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to have an exam. After a two hour wait, I saw the XXXX. I was presented with a application for credit at 27 % interest from CareCredit/Skynchrony Bank. I filled out the application but decided something was wrong and never had any work done. My visit was paid for by insurance.
It appears XXXX XXXX used the application as a scam to get money from CareCredit ( {$1500.00} ) claiming the work was done. Now I am getting bills from CareCredit for {$1500.00} as well as late charges for work never performed.
I have notified CareCredit by mail twice of the facts and instructed them to cancel the application, credit card, and not contact me again.
After two months they continue to bill me and add penalties. I fear they will damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Making/receiving payments, sending money

Complaint: I went to the Citizens Bank branch to pay my home equity loan in person. i pay in person each month. I arrived on XXXX XXXX and was told they could not take my payment because the computer was down. I begged them to hold my check and process it the next day but they refused to do so ( i was told they had nowhere safe to keep it overnight ). I returned on XXXX XXXX and was told i was to be charged a late fee. They also told me to mail my payment instead of coming in personally ( as a customer, i find that insulting ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing/Cancelling account

Complaint: was told on hold on XXXX/XXXX/XXXX. on XXXX XXXX XXXX saw my credit report I was 90 days late and owed XXXX dollars. called was told they would call back XXXX hours. wrote called 4 more times. sent payment. requested account be closed in XXXX and XXXX/XXXX/XXXX. they refuse transfer my call 3 times an hour later they claim they will call me back .will not close account, give me my balance or send me a statement. please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to payoff my loan. I am told the only way to pay off the loan early is to pay a XXXX $ penalty/fee. The lender will not let me pay the required extra principal to pay off the loan because the lender limits the amount of extra principal that can be paid within a 50 day period, on-line, and by phone. I have a choice of making one extra payment every 50 days ( would take 4 months ) or pay the penalty/fee for paying off the loan early and getting the lender to provide the paperwork. When I told lender I was going to report this, all I got was the representative indicated she did not consent to being recorded and I could not use the information she provided against the company or her.

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