milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my XXXX removed from all 3 credit bureaus, as i have spoken with all 3 credit bureaus, and they respond with the statement " we have validated this XXXX XXXX with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you

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 04/18/2017 about Debt collection (I do not know) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rent Recovery is  attempting to collect a debt that I never established a contract with this company. Obtaining documentation or bills as third party or debt collection agency is not legal documentation or a contract that holds me accountable to owe you anything. Furthermore they are in complete violation of the FCRA law by placing this negative item on to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Credit card) with PATRICK A. CAREY, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt collector is trying to collect that bill again. Pay for XXXX years and 25 % out of my salary ( Garnishment ) almost XXXX, for a debt of less than XXXX. I call and spend hours and be transferred to other people and departments. Nobody can explain why? I think is a fraud and I need help to clear the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Oracle Financial Group LLC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from XXXX, from Oracle Financial Group LLC . He told me there was a case pending and that I would be served unless I set up a payment with him. He told me he could stop the person who was going to serve me if I made a payment by Friday. ( XX/XX/2017 ). I also received a call from someone claiming to be a " server '' and would go to my place of work to serve me paperwork. Out of fear, I did set up a payment for the XX/XX/XXXX for XXXX. When I asked for a validation letter, XXXX got very defensive and told me I was becoming unbearable to work with. He has also called me at my place of work and told my supervisor that I was being investigated for a bad check!

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 05/26/2017 about Vehicle loan or lease (Loan) with Garcadia Financial LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX / XXXX /  XXXX    Foursight Capital took two  payments out of my bank account instead of the  one monthly payment I setu p and got a confirmation for. They severely overdraft my bank account. I reached ou t to Foursight and they acknowledged that multiple customers had the exact same thing happen to them. The want m y bank  XXXX   XXXX  to fix the issue.  XXXX   XXXX  stated it will take 90 days to fix the issue. This is unacceptable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Deposits and withdrawals

Complaint: BofA in Colorado has long history of compromised service. On this occasion I was directed to go to a " virtual ATM '' to do a large transaction with a {$3200.00} check to bring overdraft current. I had acquaintance and his friend drive me there. ATM has had problems before so I checked to see if it was fully operational. They said it was. When doing transaction they informed that " second ID scanner '' was not working and told me to " cash check at issuing bank and deposit cash at BofA center nearby ''. I did as suggested. Acquitance XXXX grabbed the cash and dumped me in an alley on the way between banks. This is the latest in numerous compromised banking practices from BofA and frequent misinformation leading to risky transactions. This serious crime was inevitable and the entire community is at risk because of the poor advice and misinformation because of the limited banking practices in colorado with BofA. I am now afraid for my life, cant sleep, broke and traumatized.

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 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Carrington Mortgage, I 've requested a mortgage modification several times. My rate is keeps going up and my taxes and insurance is n't escrowed. I do n't want lose my home to foreclosure, but Carrington Mortgage refuses to modify my mortgage. 
I would appreciate your assistance in this urgent matter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: My bank -- Wells Fargo Bank -- keeps charging me a {$35.00} " Overdraft fee '' over and over again, in rapid succession. This fee almost makes it impossible for me to build up any sort of positive balance in my checking account. For example, the bank charged me XXXX {$35.00} overdraft fees on XXXX XXXX, then on XXXX XXXX the bank charged me a {$35.00} overdraft fee and a {$35.00} " insufficient funds '' fee. Then today, XXXX XXXX, 2016, Wells Fargo again charged me XXXX {$35.00} overdraft fees, and the amounts I charged to my credit card were only {$5.00} ( for a breakfast croissant and a cup of coffee ) and {$2.00} ( for a box of doughnut holes ). So, as a result, my breakfast on XXXX XXXX ended up costing me {$40.00}, and the box of doughnut holes cost me {$37.00}! I monitor my accounts with Wells Fargo very, very closely, and I do my utmost to always keep a positive balance in this account. But sometimes my incoming checks just do n't arrive quite as quickly as my bills do ( or my desire to eat ). I once spoke with a banker in my local branch, and he seemed to want to help me, but his superiors at Wells Fargo would not allow him to do more than reduce XXXX or XXXX overdraft fees by half ( to {$17.00}, rather than {$35.00} ). I want these XXXX Overdraft fees to be taken off.

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 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has accounts that been close for a while in my account and it 's making my credit score low. Even though, I have XXXX accounts on the positive side my credit score should be higher. Years back I complained to them about some accounts that were close and was still in my account. This low score is preventing me from progressing in the job market. Please help me remove these old accounts from 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 explanation
Consumer complaint received 12-08-2016 about Credit card () with U.S. BANCORP (NY).
Issue: Other

Complaint: On XXXX/XXXX/16 I rented a car from the XXXX Car Rental desk at the XXXX Airport desk with for a vacation ultimately ending in XXXX where I would be dropping the car off at XXXX Airport 's XXXX location. In XXXX, the counter person ran through the rental information with me quickly only explaining the Liability Insurance I could purchase in addition to the rental, which I did. While driving from XXXX to XXXX I was traveling south on XXXX when an XXXX passed me and kicked up a pebble which hit the windshield, causing a small chip. I immediately drove the vehicle to the XXXX XXXX Location asking for assistance where I was rudely turned away. When I finally arrived in XXXX to return the car on XXXX/XXXX/16 I was told that I did not accept the correct insurance ( Loss/Damage ) and that XXXX XXXX ( the privately owned location who owned the car ) would make the determination whether to file a claim or not. The counterperson in XXXX believed that no claim would be filed. 
It was n't until XXXX XXXX was I notified that a claim would be filed. I received a phone call from XXXX XXXX XXXX whom was handling the claim on XXXX behalf. After this call I immediately contacted my US Bank Visa card company to file a claim. During that call, I was informed that you must file the claim within 45 days of the incident, but when I explained to the customer service representative that I was only hearing via phone that a claim would be filed 2 months after the incident, the representative told me to submit any and all claims paperwork I receive. I finally received a letter indicating a claim would be filed ... not an actual claim, with no mention of exact damage/replacements needed on XXXX XXXX ( dated XXXX XXXX ). I forwarded this information to US Bank Visa per my instructions. I received the itemized claim on XXXX XXXX ( dated XXXX XXXX ) totaling {$590.00} and before I could submit this form toward my claim, I was called by US Bank Claim Services that my claim was denied because it is outside the 45 days. That said, I did submit the proper paperwork within 45 days of when i was notified of XXXX 's desire to peruse the claim.

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 05-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (NC).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I was awarded $ XXXX  in prepaid reward   XXXX    cards from my past employer. The cards are thru  XXXX  These cards had a quick expiration date  XX/XX/XXXX  and when I tried to use them, they kept being declined. I conatcted the company over 5 times during   XXXX   and   XXXX   XXXX    I was told to keep trying at other stores and some of the stores on thier website had stopped accepting these prepaid cards. I was  XXXX  as a   XXXX   employee in   XXXX   XXXX   to   XXXX   XXXX   back to  XXXX . I am now back into the states and these cards were expired. I tried getting this company to replace my   XXXX   cards valued at $  XXXX    each. I was told several time they will call or email me back. As of today I still have these worthless cards. If these cards worked the first time, they would have never expired. I will list all the card numbers with the hope of getting these replace by a check or a usefull prepaid cards.   XXXX   XXXX   XXXX   XXXX   ($ XXXX )    XXXX   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ( $ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($   XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a call from XXXX XXXX XXXX XXXX ( XXXX ) and agreed over the phone to have them consolidate and service my student loans. 
The next day I decided that it was a bad choice and overnighted a termination ( within 72 hours ) of the contract which I had signed the previous evening. 
The letter was un-deliverable to the address on their letterhead ( I have XXXX log of delivery and call attempts ) nor does anyone answer the phone that is also on the letter head. I have a copy of the letter as well as the un-opened package that XXXX was unable to deliver. 
Soon after they started to bill me for their services. I sent the log of the delivery attempts to the service ( XXXX XXXX XXXX XXXX ) they were using to collect payment. They agreed that I had done everything correctly and I received no more bills. 
At some point my student loans that were being services by XXXX XXXX were paid off. 
A couple of weeks ago I received a notification that I had late payments on my student loans. From the credit report I found where the loans went to but I had no access to the accounts. 
XXXX ( XXXX ) transferred my loans and created a new promissory note in my name. The note had their address and their telephone number. They sent me a XXXX for student loan interest which was also delivered to their address. 
They created a new loan with a promissory note in my name, affected my credit report which directly affects my work as a contractor with the Federal Government. 
In addition the address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) that they are using and that also appears on my credit report is associated with multiple counts of fraud which are now related to me when running criminal reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not the person owing this company anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Using a debit or ATM card

Complaint: My small business debit card with Bank of America. On XXXX XXXX, XXXX I was shopping and made a purchase of {$180.00}. At the cash register after waiting in a long line, instead of providing my Bank of America Credit Card, I accidentally provided the debit card. They 're very similar, credit card is blue and debit card is light grey, but both contain the bank name in the same place, and the MasterCard logo. The purchase was approved but I did not have enough money in the account. On XXXX XXXX, this purchase and XXXX other much smaller business-related debits were processed. The bank paid all of them ( the XXXX smaller would have been covered had I not made the {$180.00} purchase ) but also charged my account {$35.00} XXXX times. On the XXXX of XXXX XXXX, they charged me another {$35.00} for " extended overdraft ''. On the XXXX of XXXX, I checked my account, found the problem, and deposited more than enough to cover these fines and debits. I was shocked that : # 1 they authorized it, and # 2 they did n't notify me. When I called the nearest branch, they said I must come in for discussion and set a time of XXXX. I immediately received an email confirming the appointment which amazed me they did n't do this for the overdrafts. The two employees I spoke to, XXXX and XXXX checked my account, and said I was only entitled to {$35.00}, the credit for one charge. When I asked why, they said " it depends who you are and what your relationship is with us. '' They further stated that it 's not the policy to check the money in the account before authorizing purchases under a certain limit. ( see website FAQ below ) I said I had thought it would be rejected if the money was n't in the account, XXXX said she warns people but does n't know what other employees say. To me this means it 's not an explicit policy to duly advise a customer. Also, I 've been with the bank over 20 years, and have borrowed and paid back {$50000.00} in business credit, although not since XXXX. 
The Website, under Debit Card FAQ 's is copied today : When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart. '' To me, this situation is the result of false and misleading information provided to 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 monetary relief
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VT).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree servicing fabricated a mortgage note in a foreclosure action against me. After many attempts to view original wet ink note i was finally allowed to do so last week. I have proof that it is fabricated. This will be addressed in our pending litigation. Additionallt Greetrees errors and negligence caused the alleged default and after repeated Q.W.R. and disputes still has failed to correct it. Their fraud should be prosecuted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In short I had a mortgage with a coborrower in XXXX ... in XXXX that mortgage was modified into a mortgage with that coborrower by herself. In XXXX I filed a BKXXXX and in XXXX I received a discharge. Rushmore Loan Management took over servicing the mortgage in XXXX and has been reporting to the credit bureaus that the mortgage is mine, open, and delinquent. I faxed them the attached letter on XXXX/XXXX/XXXX and they are supposed to respond within 30 days and have not done so. I had an attorney send them a letter and again no response. All the while my credit is being ruined by them for an account that is not mine anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MA).
Issue: Trouble during payment process

Complaint: Approximately XX/XX/XXXX I was offered the opportunity to refinance my mortgage loan with a reduction of the interest rate from 3.75 % to 3.25 % that would benefit me with a substantial saving of about $ XXXXper month. My payment was to be reduced to {$1200.00} from {$1400.00} monthly. On XX/XX/XXXX I refinanced my loan. Since I have made on-time payments. XX/XX/XXXX I received a notice stating that I had a shortage in my escrow account in the amount of {$1200.00}. You stated that the shortage was caused by a change in my taxes or insurance. At this time did you acknowledge that the error was your fault. 
I spoke with XXXX XXXX several times and XX/XX/XXXX she indicated to me that the title company had underestimated what the escrow amount would be at the closing. This error resulted in the eventual shortage and misrepresented figures that was instrumental in me making the decision to re-finance. She indicated that the tile source company was being notified to review errors. 
XXXX referred me to XXXX XXXX and I spoke to him and about my concerns. XX/XX/XXXX he confirmed that there was at tax error of {$400.00} and that Quicken Loans  would cover {$500.00} for the error. I made it clear to him that I am not satisfied with this and I expect the entire shortage should be covered by Quicken Loans because they made the initial mistake and it influenced my decision regarding refinancing. The refinance also added {$4000.00} to my balance for closing cost and added 4 years to the length of my loan. Having known that I would be saving {$30.00} per month and adding closing cost to my balance I never would have refinanced, the winner is Quicken Loans. At my request, XXXX referred me to XXXX XXXX. Her response on XX/XX/XXXX was the same as XXXX in a different format. XXXX referred me to you. 
In conclusion ; You made a mistake that ended up in costing me money and time spent trying to resolve this issue. You misinformed me regarding the actual cost of refinancing because of your error. You profited an addition {$4000.00} in closing cost and an additional 4 years extended time of my mortgage. You have had 3 different associates spend time trying to convince me that I should be happy that you are crediting me the money that you erred on. You boast how you are number in client relations and helping veterans. I dont think so. 
I am filing a complaint with the XXXXonsumers Finance, The Veterans Affairs and XXXX XXXX XXXX call for action to help me resolve this issue with hopes that you might step up and take responsibility for your actions and make sure that this is not a normal occurrence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to 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