milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A collection agency named Penn Credit has continuously contacted and harassed my elderly parents by phone in order to get information from them concerning an alleged debt that does not belong to me. Wen I attempted to explain this to them they just asked when I would be able to pay the debt and did not want to hear my explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled with the attorney that represented XXXX XXXX XXXX, XXXX XXXX on a debt I owed. Patenadue & Felix represented XXXX XXXX and never notified their client and XXXX is still showing a negative account impacting my credit rating and obtaining a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I was made aware of thr Equifax security breach that has affected hundreds of millions of Americans. Using their inquiry tool, I found that my information was contained on the database that was breached. This is incredibly irresponsible on the part of Equifax, especially because I did not know that I was a recipient of their services and was not given a choice whether or not to give my information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Credit card) with McCullough Payne & Haan, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Garnished wages in the amount of XXXX After debt was discharged in bankruptcy.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am attempting to place a security freeze with TransUnion and they refuse to process it, either online or over the phone. XXXX and XXXX did it with no problem.

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 01-02-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX BANK SOLD MY LOAN TO SETERUS MORTGAGE WITHOUT GIVEN ME NOTICE. I AM FACING A HARDSHIP SOMEONE AT SETERUS, STATED TO US WE CAN FILLOUT BORROWER ASSISTANCE FORM, BUT ITS A DOUBT I WILL RECEVE ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Problems when you are unable to pay

Complaint: Like many of the military veterans USAA serves, I filed for bankruptcy. I immediately confirmed my intention to pay my vehicle loan in full. However, USAA eliminated online access to the loan and refuses to even send paper statements. The only way I 'm allowed to verify account information is to call a separate phone number that rarely works, apparently due to under-staffing in the bankruptcy department. 

USAA will permit you to set up monthly automatic payments for your loan, but a representative warned me that they do not stop the payments once the loan is paid off. After inexplicably making it more difficult for members in bankruptcy to access their accounts, the policy of accepting over-payments is tantamount to stealing from USAA 's most economically vulnerable members. 

USAA also blocks members who have come through bankruptcy from full online account access granted to all other members. I was told this was " corporate policy. '' Considering the unique financial challenges facing so many of our nation 's veterans, I would hope USAA would support ( rather than exploit ) members who go through bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Payday loan debt) with Diversified Recovery Services Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX XXXX, 2017 Diversified Reecovery took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX XXXX, I received a letter from XXXX, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a Bank of America agent. We informed both the Bank of America and XXXX that we did not have a Bank of America card, neither did we ever give permission for this collection agent to enter our account. XXXX has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XX/XX/XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX XXXX Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX Bank of America ( # XXXX. Since I was unable to submit the actions of Bank of America 's relative to the collection agency XXXX I am submitting a second request. Although Bank of America has withdrawn itself from my credit reports, Bank of America has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been XXXX -- including XXXX. I thought I had excellent credit only to find out someone had stolen my identity.

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 05/15/2017 about Debt collection (Other debt) with AFNI INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX   XXXX  ( AFNI ) have put items on my credit report which are not mine and have refused to answer any inquiries about these accounts. Neither, Have never provided any documentations and I know for certain these accounts are not mine. Please help because I have sent ove r 6 le tters over the last year and no one helps or assists. They refuse to remove accounts which are not mine and violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX agent XXXX from Afni collection agency called us and tried to collect money, we told him that we dont want them to contact us by phone or mail because we are in no dept and the has is in dispute, this keep badgering us about we should pay them money, my wife told him that we are disputing this dept he still insist with the credit bureau we hang up the phone, my wife then check with the credit bureau 's and at that time she realize that this credit agency made report to the XXXX bureau 's within fifteen minutes of the conversation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

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 11/25/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against Wells Fargo for Wells Fargo 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX, received a demand letter from creditor, Wells Fargo. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 09/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. On XXXX XXXX I noticed that my driver 's license, credit cards, debit card, social security and pin was stolen from dorm. I also discovered that a substantial amount of money was stolen out of my bank. I immediately notified the authorities. It has been determined that my room and other student 's rooms have been broken into. My money was taken from XXXX while I was in XXXX in class. My professors have testified that I was in class when some of the charges were being done and my swipe card and survellienance cameras also prove that I was not in XXXX at the time and in fact on campus. Bank of America has refused to acknowledge my findings, police reports and statements. My bills are being shut off as we speak and this is my only source of income. I just want my funds back.

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 01-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Settlement process and costs

Complaint: I had previously submitted information for a complaint against the bank 's attorneys but it seems that there would be better chance for success filing against Chase Bank itself. The title company has definitely tracked the money that far. 
The title company received the payoff amount very late. I did n't even see it until I walked through the door at closing. It includes items for " estimated attorney fees and costs '' amounting to {$3200.00}. I can not image what this could entail as this estimate was received the day of closing. This was a straight forward sale. No short sale. There were also " Incurred attorney fees and costs '' of {$100000.00}, in addition. Several days later I received a refund of {$75.00} marked PIF.. How can there be a final reconciliation of fees and costs without accounting for these estimated attorney items? I am attaching the payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Some body took it total money from my credit card withdown my outhorizationn now is invertigation for 3 months and I do n't receive any answer from the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our mortgage with The Money Source to an FHA Streamline loan. Our escrow funds balance were misappropriated. They applied the escrow balance towards the principal on the new loan and then sent us notice of a XXXX $ escrow shortage. We have been attempting to get this issue resolved for 3 months. Now they have increased our payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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 started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The recent Equifax breach ( summer XXXX, reported XXXX XXXX XXXX means that my personal information ( along with that of XXXX XXXX other XXXX XXXX is now in the open. 

I never authorized Equifax to have this information in the first place ; by not properly safeguarding it, I am now at much higher risk of identity theft and fraud. I will have to take additional steps for many years to safeguard my finances, costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked at my report and saw inquiries that I did not 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 10-10-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Medical Collection Agency ( AMCA ) of XXXX, NY, re-dated an old fraudulent collection account from XXXX to XXXX, and reported it as a new collection account to major credit reporting agencies. This unscrupulous act to stretch out how long this derogatory information my be reported, is a violation of 15 USC 1692c for debt harassment and unfair collection efforts. AMCA also utilizes such unethical measures to use another identity and address, i.e. XXXX at XXXX, also of XXXX, NY, to collect the same fraudulent debts. The removal dates of this negative trend line can be traced on my credit reports over the past few years. This company has been served with Cease and Desist Orders from harassment by me, every year, for the past 3 years. The false accounts reported by AMCA do not qualify as open end or closed end accounts under Federal reporting guidelines. The files need to be closed and further collection efforts terminated. The obligation does not belong to me. AMCA was advised to seek restitution from their client. This was a health insurance card mishap, or a physician 's office mix-up for lab services. I refuse to be repeatedly victimized for someone else 's mistake, and illegally harassed by misreporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Pressler & Pressler has taken almost {$3000.00} from my account. They send all the letters to my old addresses which I can not respond too and then they have the right to seize all my funds. They have taken 4 times money out of my account. They have my correct address but still send all letters to my old addresses.. They even took all my child support money and the last withdrawal they took from my account was a week before XXXX! They took {$600.00} which left me broke 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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I filed a complaint about my brothers addresses showing up on my experian report and they refused to take them off. I provided my ssn, address, government photo Id, and a copy of the report with the addresses shown in highlighter. I mailed the letter certified with a receipt and made copies of the letter that was sent to them as proof. I informed the reporting agency that this was n't up to the standard for the fair credit reporting act and they still violated it.

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 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Medical) with Express Recovery Services, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I HAVE PAID ON THIS BILL EVERY TIME I RECEIVED A BILL. ALSO HAVE PAID TO DATE {$690.00}. WHICH WAS NOT DEDUCTED FROM {$1700.00}. I AM MORE THAN WILLING TO PAY ON THIS DEBT BUT WAS NEVER NOTIFIED BY MAIL NOR EMAIL. EXPRESS RECOVERY WENT STRAIGHT TO COLLECTIONS WITH NOT LETTING ME KNOW TO WORKOUT A PAYMENT RECORD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed