milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Thank you for the prompt answer my last inquiry, I am sorry, I was n't being specific what forms I was asking for. I am attaching this time with this email a sample of the form I need from you, I hope that will help. I have three forms from Bank of America, XXXX form from XXXX and Sample from XXXX XXXX website. Three of these forms will show the principle reduction you made to my account. If you disagree on authenticity of these document please state for me the reason. Exhibit # 1. my tax statement XXXX form XXXX. ( XXXX pages ). What that documents show are the balance of {$4500.00} and escrow balance of {$28000.00}, which have been transferred to fay servicing ( no deferred balance ). Please read carefully the important notice of information on page XXXX. Exhibit # 2 from my loan payment history document page XXXX, also shows the last balance from Bank of America which is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 3 from XXXX ( the new servicer ) also confirms that, the balance you transferred is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 4 from my loan payment history document page XXXX shows that you have written off ( the deferred balance ) {$280000.00}. If you disagree please give me full explanation what this reductions is. After long investigation, I have concluded that you are missing XXXX document to sent XXXX, which could clarify all this confusion. and that is Exhibit # 5. Would you please sent me a copy of that form to me and XXXX. Remember, you have sold my house by giving a fraudulent misrepresentation information about my account to XXXX XXXX, if this issue do n't resolve immediately, I have no choice but to take my case to the federal court. remainder the principle reduction program will be run out by XXXX/XXXX/XXXX. 

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 01/16/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX 2014 I made my regular schedule payment to Caliber Home Loans with my personal check from XXXX XXXX XXXX XXXX a few months i received a letter requesting payment which I provided a copy of my check payment from my bank. 
recently XXXX payments were made for the month of XXXX on XXXX XXXX and the XXXX which i called Caliber Home Loans to request extra payment should be posted for the month of XXXX. I sent numerous letters and many phone requesting an investigation instead their collector department constantly requesting payment

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX and I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. The account has been charge-off and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by XXXX. In this case my debt should be removed from my credit report and out of the office of XXXX because they do not have the right to collect in the State of Texas. Because accordingly, to the State of Texas no debt collector can hire another debt collector to collect on their behalf. I called the Secretary of State Texas debt collections division and asked as this type of collecting is legal and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is inaccurate and should NOT be even listed. I have a current good standing account with XXXX XXXX and prior have n't had any business with them for 7 years. I have disputed this item several times. This is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit card or prepaid card (Government benefit card) with Comerica (WY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I made a purchase for {$590.00} at the XXXX Wyoming US Post Office. They had to cancel the transaction because of a broken printer. 
The money was NOT refunded to my XXXX XXXX debit card XX/XX/XXXX. 
The Postmaster XXXX XXXX investigated it and tried again to refund my money on XX/XX/XXXX. 
XXXX XXXX XXXX did NOT put the refunded money on my debit and I had to call after midnight to talk to anybody. 
They gave me a dispute case number XXXX. I reported it to XXXX Wyoming Police case number XXXX. 
XXXX XXXX did NOT send dispute paperwork and lied about it. I send the info plus a letter from Postmaster XXXX XXXX on the matter to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Texas XXXX. No response. 
I faxed it to their dispute number XXXX and got transmission verification back but XXXX XXXX lies and said it wasnt received and it has been faxed twice. 
I reported this misdemeanor larceny theft to FDIC. 
I am reporting it to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CFM Group LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being contacted and harassed by CFM Group in XXXX, GA re : debt collection on behalf of XXXX XXXX ( Uniform services provider ), which I do not owe. I bought a business in XXXX XXXX and had been getting uniform supplies from XXXX till XXXX XXXX, XXXX. There was no contract signed with XXXX by us. We decided to stop the services effective XXXX/XXXX/XXXX due to cost issues. A letter stating about termination of services was sent by mail to them. We did pay all the dues for services received from them. Last statement XXXX/XXXX/XXXX for {$61.00} was paid as well. They sent another invoice XXXX/XXXX/XXXX ( though no more services were received after XXXX/XXXX/XXXX ) stating that we owed them {$1300.00} ( with no explanations for charges of {$1000.00} in that statement ). Note : Weekly bills used to be around {$60.00}. They started harassing that previous owner had signed a contract and that i am responsible for it too. I tried to clarify that I have never signed a contract and thus have the right to cancel it any moment. I wrote them few letters but they never got back to me about explanation of charges. Now CFM has been contacting me with a bill which is 3 times higher the original demanded amount more than {$3000.00} claiming that these include their fees. Not only that the numbers that they provide me with on the phone ( which they claim were on the statement ) does not even match the one on my last statement sent by XXXX. The representative keeps on calling 2-3 times a day during business hours demanding for our credit card number. He does not want to provide any explanation for charges and uses very harsh and threatening language when we try to say anything about justifying the charges. He keeps on making different offers to settle it though I do not owe them anything. But his harassment continues. I request you to help me getting out of this harassment and close this matter with all due fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with Receivables Management Corporation (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I'm writing in reference to a Debt collector on my credit reports that is not licensed to collect in the state of Florida. I've tried reaching out to the collector via mail with no response. This company is in direct violation of Florida Consumer Collection Practices Act ( CCPA ) states the FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Receivables Management Corp. in XXXX, SC does not have a license to collect in the state of Florida. They can not collect on a debt. Receivables Management Corp. is in direct violation. This will be my last communication I send before sending evidence to the State 's Attorney General office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Payday loan) with Financial Credit Service, Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They have called me serveral times including my mother XXXX my father XXXX stepmother once and my daughter XXXX. They have accused me of multiple things but all different to each person. They called from an unknow number telling each of us we need to call ARA at XXXX by end of day or we would all be served. I call back and question them and informed them that I paid on the loan and they told me to prove it to the judge and hung up on me. But they keep calling all of us. They called me using our local sheriffs office number and when I called it back they informed me they dont make phone calls like that. They called my father stating they were from the State when he asked for a phone number to verify it she stated she couldnt give that information out and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This investigation is still open under case file number XXXX. I have been patiently waiting for both Equifax and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both EQUIFAX and XXXX to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XX/XX/2017 I requested an increase to my XXXX account and was told by the credit department that they tried to pull an Equifax Report but where unable as there was a security block placed. I was quite shocked because I did n't authorize the block so I did n't know how to respond. I have requested both 1 ) a copy of my current report as I was declined by the XXXX and 2 ) a signed copy of the person or entity that authorized the security block.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: I purchased gas on XX/XX/2016 from a XXXX XXXX XXXX in XXXX Tx. I paid {$30.00} at the pump. BBVA Compass Bank deducts the amount from your account as soon as you make a purchase, even if the company you are purchasing from gets their money right then or not. Today, XXXX XXXX 2016, they deducted the same amount AGAIN for that purchase. I called the bank and ask why did Compass Bank deduct the same {$30.00} from my account, I was told they only deduct one, but when you use your check card to make a purchase, they deduct the amount right then with the remaining balance above showing what you have just spent, even if the company gets their money right then or not, Compass Bank will show they have all ready deducted that purchase. XXXX XXXX, 2016, I checked my account that evening and there was nothing pending. I had a balance of {$20.00} in my checking account, so I online transferred {$50.00} from my savings to my checking giving me a balance of {$70.00} with nothing pending or in process. I called the bank when I seen this on my statement. I was told to show them XXXX of the same purchases. How can I do that when Compass Bank erases the first one and only showing you the one they want to. I just gave Compass Bank {$30.00} of my hard earned money. this is not the first time I have called Compass Bank about the same thing. They do n't do it back to back, they wait a few months in between to do this. I have a family to raise, and I watch every penny. I check my on-line statement everyday and will call when i see something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (PA).
Issue: Making/receiving payments, sending money

Complaint: I XXXX XXXX XXXX wrote a check # XXXX to JP Morgan Chase for my mortgage loan - account # XXXX in the amount of XXXX which has been my mortgage payment for several years and mailed the check on XXXX/XXXX/16. JP Morgan Chase withdraw the check from my account in the amount of {$1500.00} on XXXX which resulted in a overdraft fee of {$70.00}. I spoke to XXXX at Chase who reported that the balance of {$240.00} was applied to the principle of the loan. I asked her who authorized chase to withdraw more than the check was written for. XXXX than transferred the call to XXXX in the payment research department at chase who admitted it was JP Morgan Chase mistake and stated the {$240.00} would be refiunded to me in 1-2 days. I did not receive the {$240.00} refund to date. I also informed XXXX I was charged an overdraft fee from my bank XXXX. XXXX told me to fax a copy of my statement with the amount of the overdraft fee to JP Morgan Chase Payment Research Department. I attempted to fax the statement to the Fax # he provided multiple times and the fax did not go through to the # XXXX provided. I called JP Morgan Chase and spoke to XXXX who provided me another # to fax the statement. That number transmitted my statement. Chase withdraw the incorrect amount of the check from my account but it is taking me the consumer more than the 2 days to receive my refund and overdraft back into my account. I called Chase again on XXXX/XXXX/16 and spoke to XXXX and then XXXX to inquiry what happened to my refund. I was told the refund was mailed XXXX/XXXX/16. I also requested a copy of my paper check at which I was placed on hold for XXXX min awaiting them to locate a copy of my paper check. I was told the check was located and a copy will be mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sklar Law LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: No court showed any judgments. Judgment was removed off credit report on XXXX XXXX. I did n't even know a judgment existed! Was never even notified! They wiped out my bank account and took 100 % of my money. I was on a payment plan with Sklar Law. I had a baby and told them due to FMLA, it was not paid. I contacted them in XXXX XXXX and temporarily stopped my repay plan with them agreeing i would return. In XXXX XXXX, i went back to work and called to restart my repay plan. They denied and hung up on me. I called in XX/XX/XXXX, same issue, they denied to restart my repay. Never told me anything on any judgment, nor did i ever get any mail. i hired XXXX to help my credit, then all of a sudden, Sklar Law took my money a few months later. I called again on XXXX XXXX, XXXX and was cursed at and huung up on 7 times! I called the court administrator and she said they never told her i was on a repay plan. After numerous calls, they finally admitted that i was on a repay and stopped it. The court administrator supervisor said she was going to call me. Due to XXXX, i had to leave the apartment complex i was in.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Consumers Inc (MD).
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 disputed via online about an account fro m United Consumers th at I did not recognize  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX ,  XXXX . They (  XXXX   ) res ponded quickly saying that the account has been verified. I called and spoke w ith two rep s. When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at  XXXX . He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly  with United Consumers and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that  XXXX  remove this collection because a proper investigation  was not done and this debt is not verifiable.

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 12/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have not been able to find out any information on my mortgage account for years. 
Every time I try to speak to someone to someone At Wells Fargo concerning my account they give me a story. They say I am in litigation of someone else is on my account and they ca n't speak to me. They have had me locked out of my account for years. I have been served with foreclosure papers, but Wells Fargo would not allow me to qualify for the needed 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 09/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OR).
Issue: Managing the loan or lease

Complaint: I paid off my auto loan with Santander Consumer USA XX/XX/2015. XX/XX/XXXX I received in the mail a release of lien to file with the DMV, I also received a letter stating my Santander Consumer account was paid in full. As well my credit report currently shows the account as paid off, I sent the release of lien in to the DMV in XX/XX/XXXX when I received it. On XXXX XXXX, 2015 a repossession agent from XXXX XXXX XXXX showed up at XXXX XXXX to repo my car. I stated to the individual I had a copy of the release of lien on the vehicle and a letter stating from Santander Consumer my account was was paid in full. I showed all documentation to the gentleman, he then stated he 's never seen paperwork like that out on a repo before but he had a order of repossession and had to take it. He, then took pictures of documents I showed him and let me get my belongings out of the vehicle. He was very polite let me gather my belongings and then took the car. The following Monday morning I called the DMV an they stated their was currently no lien holder on the title. I then called Santander to find out details to why the repossession took place. The first person stated He was very sorry and my vehicle would be returned in the next couple hours in my driveway, it should of never been repoed in the first place account is paid in full. He put me on hold an a few minutes later said it was all taken care just needed approval from a upper level manager an it was all done. The manger would call the repossession company for return. I then waited an called again a few hours later. An I spoke with a lady, she stated I had some of my payments Return due to NSF charges on my account which is totally false I paid the balance in full. An have the confirmation numbers for all payments and postings to my account. She stated she wanted {$6000.00} to get my vehicle back and an could not issue me a copy of the full account payment history. An if I did n't pay my vehicle would be sold on XX/XX/2015. This is totally bogus I never even received a letter or statement asking for payment or letters retaining to demanded payment or repossession notices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i received a SETTLEMENT OFFER FROM CONVERGENT OUTSCOUCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX CONVERGENT ACCOUNT XXXX AMOUNT XXXX OFFERING SETTLEMENT XXXX SPOKE WITH REP WHEN I ASKED FOR WHAT ADDRESS THEY ARE SHOWING SHE STATED ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO REP I FILED AN IDENTITY THEFT AFFIDAVIT AND A POLICE REPORT WIHT XXXX POLICE XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ON XXXX THE REP AT COLLECTION AGENCY SAID SHE WAS SENDING ME A FRAUD ALERT PACKET I ALSO CONTACT XXXX ANS XXXX THEY DONT SEE THIS ANYWHERE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (CA).
Issue: Problem when making payments

Complaint: On XXXX/2017 I submitted a fax to prosper to change my contact info from ( XXXX ) XXXX to ( XXXX ) XXXX i warned them via fax that if i keep getting calls to this number i will be submitting a complaint i have call logs that they are still calling me to ( XXXX ) XXXX after asking them to update my contact info. 

Note : The keep calling from number ( XXXX ) XXXX The change of info went in effect as of XXXX/2017 and they are in violation of my request

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report was pull on XX/XX/2018 And show delinquency and late payment. The delinquencies and let payment are 4 years old and still shows as recent.

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