milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Debt collection (I do not know) with Midwest Recovery Systems (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has put a derogatory mark on my credit report. I have no knowledge of this supposed debt nor have I ever had any dealings with this supposed XXXX. This company never sent me the required debt validation letter or contacted me EVER. Now I have to put a fraud alert on my credit report because of this company. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. NOR HAVE I EVER HAD ANY DEALINGS WITH THIS SUPPOSED XXXX. This company is damaging my credit with this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (I do not know) with Global Credit & Collection Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Since XX/XX/2016, I have received XXXX calls from ( XXXX ) XXXX. When I answer, an automated message says, " This is Global Collection Corp. This is an attempt to collect a debt. Please call us at XXXX. '' I do not know who they are calling for. No name is ever mentioned. I have never received anything in writing from this collector, or any one of my creditors, that a debt is owing. Because they do not identify who they are calling for, I will not hang up and dial this number back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: on XX/XX/XXXX  XXXX  hit our home and did alot of damage as well as  5 we eks no power and out of work because of same for months because my work was out of home,  Ocwen loan service was l ess than helpful and because of the   XXXX   went into hospital XX/XX/XXXX  and by this time I  was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX  and I recieved a letter from  Ocwen that they are going to foreclose. This was when we were   working on the second Mortgage Modification with them, I than called  XXXX   XXXX   Office   Esq  in  XXXX , NJ  XXXX  and he told me to file a chapter  XXXX  bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP  XXXX  ) including a now Third modification submitted by way of the courts, The  XXXX  was filed on  XXXX  and approved and the chapter  XXXX  was filed on XX/XX/XXXX  and once again the   XXXX   put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with   XXXX    office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER   XXXX .Than  after that i was hit by a   XXXX   XXXX   and it put me in  XXXX  IN   TH  E HOSPITAL  and I had to let the Chapter  XXXX  discharge because had no work, could not work and ended up on  XXXX . Now I am in   Superior court,   XXXX   XXXX   XXXX   N.J. fighting   Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent  XXXX  as well as a  XXXX  daughter who lives with me, the  XXXX  has been unbearable to say the least. Thank you for any help your  Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: thjs is my story i will try to make this as short as posibleI brought my home in XX/XX/XXXX or XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX my financier was mortgage lenders network after maybe a year my lone got sold to another lender then at least two or more lender brought the lone, each time the lone got sold interest rate went up and taxes also when my lone got brought by american services company after six month i attempted to try and get my lone change to a fixed lone i was successful at 8.4 % doing this time everybody was trying to get there home modified so i went on line and attempted to contact XXXX and all of a sudden calls started coming in, a law firm called residents protection law center connected with and told me that they can help so went for itstarted submitting papers i went into active review with american servicing company for XXXX years til residents protection center out of California by the way went M I A and my lender told me that i was in foreclose and i need to leave a s a p i tried short sale that didnt work so i went in a deed in lue and gave up the keys for cash. XXXX years later now i see on my credit report a death of XXXX pluss .american servicing company says there is no death and now the say there is no records of that lone i faxed proff the wells fargo and wating on a responceim sorry i tried to make it short ps i am sdding documents also to you for help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A fraudulent credit card transaction ( XXXX ) was made to my Macy 's account while I was on vacation ( XXXX XXXX ). At this time, my balance was zero. I only use the card at Macy 's and use is sporadic. Due to changes in the Macy 's website I was unable to get online and check the account and had statements received electronically only. In XXXX, I received a new card from Macy 's, but was unable to verify the card due to problems getting online and could not activate the card until I called them. The card was activated, but I was told their was an unpaid balance. Since I had made no charges, I asked for paper statements. I called back to say the charges were fraudulent. I was told the charges would be removed while investigations proceeded and to call back and verify in ten days. Called back and they had no record of this call, so I started over and filled out their forms for fraudulent charges. Got a new card. Ca n't access most portions of the bank website, nor use the card for Macy 's transactions. Talked to tech support who indicated the account was locked. The XXXX statement balance was XXXX due to fees of XXXX the balance was transferred to the new card and the XXXX statement was XXXX. They credited the XXXX and XXXX of the prior interest and fees, and said I owed them XXXX in fees and interest that was not disputed. But these are related to the fraudulent charge. I have called and talked to XXXX individuals and sent XXXX secure messages, and written letter on XXXX XXXX, but they say they will remove these fees but never do. so the account remains locked and the card unusable. I HAVE NOT USED THE CARD SINCE XXXX. THE BALANCE SHOULD BE ZERO. I keep getting different numbers to call, all of whom claim to have fixed the problem but nothing happens. I have missed the holiday sales as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and  XXXX  that my complaints against  XXXX   XXXX  had been resolved yet it has not.      XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my  credit score a v iolations of the FCRA.      XXXX   XXXX   XXXX  reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on m y credit score w as impacted.

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 06-08-2016 about Bank account or service (Checking account) with BANK OF THE WEST (OR).
Issue: Deposits and withdrawals

Complaint: I deposited a XXXX XXXX XXXX check into my Bank of the West checking account on XXXX XXXX. I deposited the check so my Bank of the West mortgage would be paid on XXXX XXXX. The funds were in XXXX XXXX XXXX, but because this was a mobile deposit made with an XXXX, Bank of the West did not credit the deposit until XXXX XXXX. I did not learn of the delay until XXXX XXXX, and never even considered the possibility of such a long delay because all previous delays for mobile deposits had been around 3 days. So, my mortgage payment was late and Bank of the West charged me a {$35.00} " insufficient funds '' fee. When I called to complain Bank of the West reversed the {$35.00} fee, but the late payment to my mortgage is still recorded. Bank of the West told me that with mobile deposits they have the right to delay the funds for up to 10 days. That time period is wildly unreasonable. The longest lawful delay I could find for deposit times listed on the Federal Reserve website was 5 days. A ten day delay is outrageous, it is a loophole in the law and the CFPB really needs to work to see that this scam is outlawed. Please! My primary bank is XXXX XXXX XXXX and I only use the Bank of the West account for my mortgage payment. I believe Bank of the West is trying to push me into using more of their services, such as overdraft protection, by delaying as long as possible my funds transfers from XXXX 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 02/19/2017 about Credit reporting () with Accurate Background (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Had issue with Accurate Background and submitted a complaint to CFPB case # XXXX for which I received a response. They circumvented the CFPB and failed to maintain them in the loop. They are asking for clarification of the disputed information which was quite clear in my letter and they are also want further clarification to my consumer statement I want added. They provided an updated report but it fails to contain my consumer statement even though they state they placed it and forwarded to there clients. I have mailed my XX/XX/2017 letter to Accurate Background via regular mail but feel I would get a timely response if I had the assistance of the CFPB to encourage a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Consumer Loan (Installment loan) with GVA Holdings, LLC (IN).
Issue: Managing the loan or lease

Complaint: I signed an agreement showing the payments and payment dates. The loan was to be paid in full with the last payment being XXXX/XXXX/16. That is what was stated on the loan agreement that I electronically signed. I checked my account on XXXX/XXXX/16 in the morning and the loan agreement on the site still stated XXXX/XXXX/16 as the last payment. By later that afternoon the agreement on the site was changed to show the last payment is XXXX/XXXX/16. They changed the agreement without my knowledge, consent or any notification. I feel this is at the least morally and ethically wrong, if not legally wrong. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX scammed me charging me to get me a modification. I spent over 2 years sending them my financials. All they had me do was file bankruptsy. Finally I felt like something was wrong because I never received a review or solution. He told me to never call the bank and they would handle everything. I finally got my daughter involved and she found out through the bank ( XXXX XXXX XXXX ) they never received documents to review. WE submitted a full financial package immediately directly to the bank-XXXX XXXX XXXX and since then the bank as neglected to deem complete even though they say they have it in the system. The last missing document they requested before due date of XX/XX/XXXX has been in there system since XX/XX/XXXX and they have failed to acknowledge it nor even notifiy of any further new requested items. several agents say yes its there what they requested but no one has deemed it complete for over a week causing this to be way over violation of CFPB. Now a sale date is scheduled and the bank has not requested to suspend or cancel knowing we have a full financial package for modification review in their system!!! I have been sending docs and speaking with agents directly on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX with 3 collection supervisors because they refuse to xfer to anyone in loss mitigation and advised they do see where its odd its been sitting with a processor for over a week and should of been to an underwriter so far, XX/XX/XXXX with 2 other collection supervisors one of them named XXXX who refused to connect me with a loss mit team lead and said the single point of contact wasn't available and no back up is set in place. XX/XX/XXXX still no single point of contact response or connection to loss mit. Sale is still on for XX/XX/XXXX.Loan care has taken several weeks to even acknowedlge the intitial package to begin with and then constantly state to me that the bank has 60 days to review financial documents?? I understand they have to review it within 5 days max. Once I was told the bank has 2 full weeks to review a financial document that comes in. Loan Care has never been consistent in the processes, stages, turn around times and access to a loss mit agen at ANY point. Complete neglect of my mortgage handling.

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 04/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank. On XXXX XXXX a deposit in the amount of {$4900.00} was made to my account. It posted and then was immediately withdrawn. When I inquired, I was told by a woman in their fraud department that it was fraud and that they had frozen my account and would cancel it on XXXX. That deposit was from a relative in XXXX, Georgia to help me with buying a car. The freezing of my account has my funds in a tailspin because I am retired and receive my pensions by direct deposit. Ultimately, I blame the government for this debacle. It has financial agencies paranoid about money laundering, XXXX funds and XXXX financing to the point that it is just easier for them not to deal with the problem than to determine the facts. The woman at the bank 's fraud department was terse, peremptory and blunt and advised me that I should have known what to tell me relative! (? )

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: this accounts was disputed on XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, see proof in attachment investigation still in process takes more than 30 days, no any answers

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 01/17/2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: One of the worst bank I have been dealing with, XXXX bank. 
I been trying to make a mortgage payment due to force insurance placed on my account without any notification, the amount went up, the mortgage department told me not to make a payment till they adjust it, its been over 2 months, I call them every single week the amount has not been adjusted and they started to charge me a late fee plus today they told me they have reported me to credit bureau which I was told will not happen since I am willing to pay. I need help, this will lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with IMC Capital, LLC (MN).
Issue: Unsolicited issuance of credit card

Complaint: I manage the admin for our small consulting firm and we recently received a piece of mail from a company called " XXXX '' addressed to a former employee of ours underneath our firm name and address. I opened it, and it contains what looks to be a genuine credit card with the former employee 's name and a card number, it does n't look like one of those fake mocked up cards you get in solicitations. There is a sticker on the card that gives a phone number to call to activate the card, which offers ( it says ) a {$150000.00} line of credit. This was not a solicited offer, but it looks real and is so disingenuous, I wanted to bring it to your attention. On the piece of printed paper the card is attached to, it states the following sort of statements : " You have been selected for a business line of credit of {$150000.00}. Activate Your Card Now. '' " Here is your new XXXX XXXX Premium Platinum card '' - and then goes into steps you can take to activate the card. 
On the rear of the sheet of paper, in small print it states, " This is not an offer of credit. XXXX reserves the right to verify your financial information and confirm your credit worthiness in its sole discretion. This will include, but is not limited, verifying banking and trade relationships and obtaining credit reports. XXXX Fraud Program protects the owner of this business. '' I worry that there are vulnerable, susceptible people who may get solicitation like this and act on them, so wanted to bring it to your attention. The phone number to activate the card is listed as XXXX.

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I found out today, XX/XX/XXXX, that my credit and social security number may have been compromised during a data breach at Equifax that occurred on XX/XX/XXXX. Not only did they NOT let consumers know of this breach until yesterday, XX/XX/XXXX, they advertised a site that they set up where we could check if our data was breached and sign up for a protection service.
I went to this website, www.equifaxsecurity2017.com, and they required that I fill in vulnerable info ( part of my SSN ) and my last name. Then I received a message that my info may have been breached and to come back on a later date to sign up for their credit monitoring service, which would only be free for one year.
They did not let me set it up to automatically protect myself, nor did they concretely tell me if my info was compromised. When I called, they recommended I sign up for their XXXX/mo monitoring service, DESPITE advertising free protection.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this is a debt for an apartment that I signed for my son, o explained to this company. this account was a pay to delete agreement. I paid XXXX dollars to this company for this debt that I did not incurred but I signed for my son to live there so I was held liable. once I pay the debt to National credit systems I received a letter stating the account was paid, so I immediately thought the process to delete this from my account would follow. from XX/XX/XXXX until XXXX XXXX I know this account should have been adjusted. so I wrote them a good will letter and explained what was agreed upon payment and that I kept up end of the deal and they did not. I want this account deleted from my credit file all XXXX as I was paid and agreed upon. I faxed and mailed letter to this company and no response or removal of this account from my credit file. They are holding my credit file hostage with his derogatory information that was suppose to be deleted years ago. I want his account removed asap from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am behind on my mortgage by 40 days. I tried to make a payment tonight online at SunWest 's website. The site would n't allow me to make a payment, stating : " Loan # XXXX as of XX/XX/2017 XXXX EDT One Time Payment is not available at this time because your mortgage payment is now 30 days or more past due and your loan is in default. We are concerned about your missed mortgage payment and we want you to be aware of the assistance available to you in case you are unable to bring your payments current. Please contact SWMC 's Home Retention Department at XXXX. Your Personal Concierge is available to assist you between the hours of XXXX to XXXX PT, Monday through Friday ( except Federal Holidays ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Private student loan debt) with Riverwalk Financial Corporation (MA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Hello I have had this Lady named XXXX call me repeated amount of times and also contacting my job looking for me on multiple times throughout XXXX and XXXX of 2017 trying to collect for a student loan, Harassment is what its turning out to be collecting Debt. She works for XXXX XXXX XXXX calling from phone number XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation