milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Debt collection (Federal student loan) with WELLS FARGO & COMPANY (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: After telling them not to call my work, which is at a restaurant. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I would like to raise a new issue : Bank of America abused their discretion by slashing my credit line by 80 %, while at the same time denying my request for a credit line increase AND a refund for the payment made. My credit score did not go down ; in fact to this day it has increased XXXX points from XXXX to XXXX, as of XXXX/XXXX/2015 ( Source : XXXX ). 
The payment made ( approximately $ XXXX ) was done in good faith, despite being a clerical error, that my credit line would remain intact with the Bank . Even though I meant to transfer merely the bare minimum, about ten percent of what I ended up making, nevertheless either way the payment was done bona fide ; and for the bank to slash my line of credit ; without underpaying or missing a payment ; and without due notice and an opportunity to be heard breaches both the Credit Card Agreement and the Credit Card Accountability, Responsibility and Disclosure Act. 
The articles I am providing below raise issues with Bank of America that are wide-ranging ; affecting consumers like me on a colossal scale : Moreover, I am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. 
Source -- -XXXX : XXXX : XXXX : XXXX/I respectfully appeal the Bank 's decision and ask the CFPB and their Ombudsman 's Office to try to work with the Bank in recovering my funds. 

Additional information is provided upon request. 
Thank you for your help, consideration and moral support. 

Yours Truly, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Had unfair lending practices with mortgage with Citibank. I had a loan on a rental property with 10 % down. The lender I had was purchased by Citibank Mortgage. I had the loan for 10 year and tried repeatedly to get the PMI removed. Citibank kept telling me I had to pay several thousand dollars to get the equity up to 20 %. At on point they requested $ XXXX on a property that I paid {$120000.00} for. They only paid down roughly {$100.00} down on the principle on a monthly basis. The rate was 7 % and the remainder of the charges were PMI. After 10 years I had only {$10000.00} of the principle paid down. Total scam. Every time I called to get PMI removed they said I had to get a new appraisal with their team and have both these high cost, a large amount of capital down, and really high closing costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with Financial Credit Network Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern : I have attempted to contact the XXXX XXXX  XXXX XXXX ( where I was a resident/homeowner of seventeen years ) concerning a collection account that was erroneously placed on ( apparently a three credit bureaus? ) This of course has negatively impacted my credit profile, and has been exacerbated by the fact that the falsely RE- report the date of origination of ( initial collection ) in such a way as to make the alleged amount owed them/collection account ... appear to be recent, when in fact this matter has been on my credit profile for nearly FIVE years. 
The City ( via their collection agent ) is alleging that I owe {$140.00} Thank you in advance for your help with this matter. 

Sincerely, ' XXXX 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 12-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi, There are some personal information in my credit report that are incorrect : For instance the " Employer Reported and Date Reported '' XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXMy employer 's name is XXXX and neither of the above misspelled names. 

Same with the information in " Names Reported '' XXXX XXXX XXXXMy full name is XXXX XXXX and not XXXX XXXX as listed. 

Please help correct the above information on my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian 'snail mail ' address disappeared from the report. I called to dictate a valid " physical '' address to replace the fault. They entered it incorrectly. They refuse to correct it because it is international. BUT THEY ENTERED IT BY TELEPHONE WITH 2 TYPOS. 
THEY insisted that I send documentation by snail mail for the change. I did - exceeding their requirements. 

My 'snail mail ' forwarding address, previously on file " disappeared '' - should re-enter. 
XXXX XXXX " XXXX '' XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX My " physical international address '' which was entered with typos.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX they entered " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX., XXXX Misspelling XXXX, and IDing XXXX as my state. 

further XXXX is an invalid tel invented by them. 

Further, by slip of the tongue, their operative told me that, 1 ) because I live in another country, and 2 ) because it has its own reporting system, they have no authority to report on me. Only historic data could be maintained. 

It has been 6 months. they are in violation. their report number is 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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, Transunion, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, TransUnion ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, TransUnion closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.

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 02/17/2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Closing/Cancelling account

Complaint: -Chase bank cancelled my one month old Marriott Rewards credit card while I 'm abroad and refuses to refund me back the annual membership. 
-In XXXX 2016, I received my new Chase/Marriott Rewards card. 
-The card was continuously being declined and blocke

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX, PA XXXX equest for Investigation XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX SSN : XXXX To Whom It May Concern : I am writing regarding a serious problem with my credit report. You are currently reporting the following items that I request that you remove from my credit report : 1. XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX The information that you are supplying to my potential creditors is simply in error and inaccurate. Please kindly conduct your re-investigation of these inaccurate items pursuant to your obligations under 15 USC 1681i. I expect that your re-investigation and correction of these inaccurate items will be concluded during the 30 day time period allowed by law. 

Thank you XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried to repeatedly to register with Equifax for their " trusted id '' credit monitoring and to freeze my account. I have repeatedly gotten notices to activate the services and repeated gotten error or system unavailable messages when I follow their instructions for activation and freezing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX XXXX, the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with ProCollect, Inc (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: PROCOLLECT , INC XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I have paid this. and they still have this on my credit report.

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 12/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: When I got my current escrow analysis, I noticed my escrow payment was going up a considerable amount, and I knew there had to be a mistake as I made an extra payment into my escrow account to cover an increase in insurance and taxes. After reviewing the escrow analysis I noticed an error in calculating the actual dispersements. The numbers listed did not total to current number. The numbers listed in the column totaled {$4100.00}, yet the escrow analysis showed the total to be {$4900.00}. The difference is {$820.00}, which was the exact amount of my homeowner 's insurance. It 's evident someone added my insurance twice. ( I will attach the statement so you can see what I am speaking about. ) I have tried to clear this up with Nationstar. Over 6 weeks I have made XXXX calls and spoken to XXXX escrow managers and have been assured that the problem would be corrected. Yet my most recent statement still shows the incorrect total being collected for escrow. In fact I have already made XXXX payment with too much escrow in it because I did n't want a late payment on my credit report or pay a late fee. They are collecting {$410.00}, when the correct amount should be {$340.00}!! That 's over {$68.00} per month they are billing me in excess. The sad part is that I am in the mortgage industry and have an understanding of how escrow and escrow analysis works. Had this happened to the average person, they would n't have caught the problem and just sent the extra money to Nationstar. I am frustrated and just want my escrow corrected!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named LNV Funding had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who LVNV Funding is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our lord XXXX, thirteen years later, I am now being harassed by XXXX XXXX XXXX, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, XXXX XXXX XXXX is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Credit Bureau of the South, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On my credit report, Cre dit Bureau of the South i s showing as a collection in the amount of {$70.00}. I sent a letter to them, which they received on  XXXX -2017, requesting validation of this account, bearing my signature, showing that I have some contractual obligation to pay them. They later responded to the dispute from a company called  XXXX   XXXX   XXXX . And only forwarding medical statements, and no signature was included. They also failed to mark my credit report with a disputed remark within thei r 30 allo wable days.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Lender refuses to postpone foreclosure sale to complete my loan modification review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with LTD Financial Services, LP (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I can not get them to tell me what it is about or I have asked them to mail me information but they tell me just pay your bills and we wont call

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Comenity bank called my house sunday XX/XX/XXXX at XXXX,XXXX,XXXX after being told several times not to call. They are calling over a {$25.00} late fee that was deducted causing my bill to be late they call more then 5 or 6 times daily they are harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: I contacted Citibank Customer service on XXXX XXXX, XXXX and spoke to a representative and an account manager with regard to having my account reviewed to have interest rate lowered. I am currently paying XXXX on XXXX balance on the card and XXXX on another balance on the same card. The account has been closed for several years and I am getting frustrated in the fact that even though I pay more than minimum due the account balance seems to continually increase. I have a letter from their Office of the President, dated XXXX/XXXX/XXXX that states that the account would be automatically reviewed every six months for a lower APR with no reference as to whether the account was open or closed. That is what I called and requested today and was very bluntly and rudely told by the account manager that because the account was closed, there would be no review. His response was the letter was from XXXX and things have changed. So, just because my account is closed and I am continually making payments not only on time, but also more than the minimum due, I get penalized for review because the account is no open. The only remedy that was offered was to reopen the account at a higher rate! Please I am not a stupid consumer, all I ask is that I 'm treated the same as an account holder that has an open account.

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 09/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech gave a deadline of XXXX XXXX, 2015 for me to respond to their modification offer. The offer adds " expenses '' to my new modified balance that are not explained. I sent a Qualified Written Request asking for an explanation of these expenses, but Ditech has refused to give me information. 

On Wednesday, XXXX XXXX, 2015 my wife XXXX called Ditech at XXXX about sending a Qualified Written Request asking for information about your modification offer. She was told to fax the letter and specifically told she did not need to send it by mail. 

She followed up by calling Ditech at the same number on XXXX XXXX, 2015. She spoke to a Ditech representative at extension XXXX. That representative said Ditech would not provide any information to respond to the Qualified Written Request that was faxed to Ditech on XXXX XXXX. 

The Ditech representative claimed the information I asked for was already included on page XXXX of the modification, but that is completely false. I asked for an explanation of the charges, and page XXXX simply lists XXXX very broad categories of charges with no explanation. 

Specifically, the letter from Ditech dated XXXX XXXX, 2015 includes a permanent modification offer and says that the " new balance '' of my modified account includes " past due interest in the amount of {$14000.00} '' and " eligible servicing expenses of {$13000.00}. " In the fax of XXXX XXXX, I requested a detailed list and explanation of what is included in the " eligibile servicing expenses of {$13000.00}. '' I also asked for an explanation of how the " past due interest in the amount of {$14000.00} '' was calculated. 

I submitted a new Qualified Written Request asking for this information again by fax on XXXX/XXXX/15 and by mail on XXXX/XXXX/15. 

But I am concerned that due to the Ditech 's refusal to respond to my original request, I will not have the information I need in order to respond to the modification offer before XXXX XXXX, 2015.

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