milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Bank account or service (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I tried to open a joint account at this bank with my current spouse, I have been divorced from previous one since XXXX XXXX, 2015. The bank approved HER, but denied me because of something from XXXX that I never applied for. And that report has my maiden name on there. Unacceptable!!! They would n't put me on the account either, so we decided NOT to return. To me, that 's being treated unfairly. However, I did contact the bank that put the negative information on my XXXX, and they kept lying to me about removing it, and they never did!!!!!! They also lied about sending documentation that I had to sign as well, never got it!!!!!!! I DO NOT appreciate being lied to at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of this year a garnishment was placed on my bank account for a debt owed by my mother instead of me. Her name was on the account, but only for the purpose of emergencies in case I ended up ill or heaven forbid in an accident. The collection agency Midland Credit Management XXXX Midland Funding LLC placed the garnishment immediately after it was granted by the XXXX XXXX XXXX XXXX here in XXXX. I immediately went to the courthouse on the next available business day and filed an emergency motion for a hearing because the money in the account was an entire paycheck and I need that money for bills and my car payment. It took them almost a month before I could see the judge which was on XXXX XXXX of this year. 

We attended the hearing with XXXX XXXX and after speaking with my mother and myself, showing them bank statements and pay check stubs from my account, the judge as well as the representative from the collections agency agreed to lift the garnishment from all three accounts, two of which were my mother and father 's. The judge even instructed the representative to expedite the paperwork to get the garnishments lifted as soon as possible. Since then, we have called the judge 's secretary as well as made multiple attempts to contact the collections agency who continues to brush us off and tell us that they have n't mailed the paperwork yet. 

It is now three months later, XXXX XXXX, and the garnishments are still on the accounts and I have not only incurred multiple late fees and overdraft fees due to this inconvenience and stressful situation, but I have also incurred other charges such as the filing charge for the emergency motion for a hearing as well as the stress of having to continually hound them to lift the garnishment. I am at my wits end. I have sent the Attorney General of the XXXX and the Attorney General of the XXXX where Midland Credit Management resides a complaint. I have also sent an email to both the lawyer on their case as well as to the Chief Compliance Officer at Midland Credit Management and I am still waiting to hear anything back. I mailed a letter to both the lawyer and Midland asking for them to please file the paperwork and lift the garnishment. 

I sincerely need help here because I feel so lost and hopeless, like I ca n't do anything about this situation and I am about to be out an entire paycheck of hard earned money that I need to help my family. This debt is not mine. I should not be held liable for that debt and the monies in that account should be returned to me. PLEASE help me. I seriously need someone who can get them to do what they were legally bound to do by the Judge on XXXX XXXX this year.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Perhaps this is just an oversight or result of high volume of disputes you receive daily. I highly doubt an agency that is responsible of maintaining accurate information would neglect to follow the laws that govern them on purpose. I am sure you will want to tend to my request as soon as possible.       Incorrect Name :   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL   XXXX   This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.      XXXX   XXXX   XXXX   XXXX  FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       Incorrect Social Security Number :   XXXX   This SSN is incorrect and is not an accurate SSN for me. Delete thi s SSN  and any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN an d any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN a nd any accounts associated with it for violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft XXXX XXXX XXXX XX/XX/2016 Amount 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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XX/XX/XXXX  The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to BMW Financial XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went through an drive-through ATM to withdraw {$200.00}, and I did not receive my money, I immediately call the number on the ATM machine, they I had to call the numbers on my card, I also went into the bank they said I had to the numbers on my card because they could do anything about it, so I called file a claim, couple weeks later they temporarily refunded the money back into my account, and then on XX/XX/XXXX they reversed it back, so I was sitting with negative {$200.00} in my account. When I received more money into my account, they took it. This is serious, my money was taken from me, they was not able claim it, they are wrong! I want my money back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a payday loan last XX/XX/XXXX for {$310.00} with Cash Central. I was n't able to pay the loan back at the time of the due date and continuously called my workplace without my consent, called my house and also my cell phone. I called them and told them not to call my work as I am working and I am not allowed to take personal calls on our work phone. The calls continued until I lost contact. <P/>On XX/XX/XXXX I received a call from a collector in regards to the debt and told me that I now owe {$560.00} and wanted to talk to me about a payment plan. I told them I will call them back when I am not working and to call my cell phone to discuss. Since then, they have continued to call my work and cell phone at times 3-4 times within a 6 hr period. I requested them to not call my work, but my request has gone ignored. <P/>I understand I owe the company a debt. But to ignore a consumer request not to call is unprofessional.

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 02-06-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Rewards

Complaint: I was induced to switch from a no fee card to a fee based card upon the promise that I would be eligible for a promotional offer, which included awarding me XXXX airline miles if I spent {$3000.00} within the first three months of having the card. I satisfied the terms of the offer but the credit card company, Citi, is not honoring their promises to me. In fact, I called them several time about this and they originally said that they would review the call I had with the sales representative and honor their promise if that is what they told me. Later, they changed their mind and stated they would only make a decision about whether or not they would honor the promise that induced me to switch after I spent the {$3000.00} and qualified. I did as they asked and spent the {$3000.00} and then they said that they decided to not provide me the bonus points. Their actions were fraudulent and misleading. It caused me to forgo other offers and not use cards with better rewards.

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 (VA mortgage) with PHH Mortgage Services Corporation (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I have had this loan for several years ; originally from XXXX now PHH Mortgage. I have tried to prepay my loan as is allowed per my original loan and I have been denied. I receive salary payments every 2 weeks and established a direct deposit transaction every 2 weeks coinciding with my pay. I also pay additional funds towards the principal to again pay my loan down quicker. PHH refuses to apply my payment when they receive it rather wait until the payment is full to apply to the loan. I called them an asked them why they did n't apply it to my loan, they stated that their payment system does n't allow it I can select either paying twice a month or once a month or by phone/fax. Those are our options. As of XX/XX/2014 they have now quit applying the additional principal amount that I have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Systems is unlawfully reporting an account on all XXXX of my credit reports that does not belong to me.In contacting this debt collecting agency to request debt validation for the account ( XXXX apartments ) I was told that the wrong information was uploaded to this account, that supposedly belongs to me, ( that there was information there under this account with my personal information on it, but that the documentation that they have to support it is incorrect and belongs to someone else ) and that they did not have any type of original contract etc to provide at the moment. I was also told by the representative XXXX XXXX XXXX that she would request this information from the said original creditor and to wait a weeks time. I also spoke with XXXX 's supervisor XXXX XXXX XXXX XXXX who also advised me of the same thing, that he would request this information and to wait a weeks time. It is now concluding week XXXX and I have yet to receive and type of documentation. After first waiting for a response, I decided to contact the original creditor ( XXXX apartments ) and spoke with the manager directly who informed me that there was no knowledge of an account under my name. She also stated that if there were, the agency should have it, which again, both the representative and her supervisor stated that they did not but that they were requesting. I then contacted the agency again and was informed by XXXX that there were XXXX request over the past few weeks made by both herself as well as her supervisor, but nothing was ever received. XXXX then stated that she did not know what was going on and that she could only inform me of what she was seeing which was that someone else 's information had been scanned to an account that supposedly belongs to me and that XXXX requests were made to obtain this information but that nothing was ever received. I was then transferred to her supervisor ( XXXX XXXX XXXX who stated that they would no longer take anymore phone calls from me and that I needed to have an attorney contact them, which I find odd since they are reporting me in an attempt to collect a debt which again does not belong to me. XXXX XXXX then disconnected the call while I was still attempting to inform him that this creditor stated that there was no documentation of any kind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: As the Executor of my deceased husbands ' estate, since XXXX XXXX I have requested a deed-in-lieu to close out the estate. I have provided all of the documents within my possession to the mortgage company. Around XXXX thru XXXX, I was informed there is a lien on the property from XXXX. However, during that same time period, I was informed everything was okay but case had not been assigned to anyone for resolution. In XXXX or XXXX XXXX I was informed the lien from XXXX is preventing the deed-in-lieu process from proceeding and I have to provide documentation the lien has been resolved. When my husband purchased the property XXXX XXXX, XXXX he had a clean title. The clean title should have been submitted to the new mortgage company from the old mortgage company when the loan was purchased. The mortgage is in my husbands ' name only, but the property is titled in both our names.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/2017 your Inquiry Resolution Specialist, XXXX XXXX, sent me a letter. This letter was XXXX XXXX XXXX attempt to validate a date. The said debt belongs to XXXX XXXX XXXX. The debt is not theirs to collect from me. 

The company went further on to send me a bill from XXXX XXXX XXXX that outlined medical procedures that had taken place. We BOTH know that is an automatic HIPAA violation. The company went even further as to present a document that could be used as a contracta contract between XXXX XXXX XXXX and XXXX XXXX. Unfortunately for the agency, the contract does not include XXXX XXXX XXXX. Also, the signature is not mine-at all. Each credit bureau has a copy of my identification and ssn card ( which includes my signature ). 

Due to the recklessness on your XXXX XXXX XXXX part, I have reported them to the Office of Civil Rights for their HIPAA violation. I have also reported them to the BBB for misrepresenting their actual power. XXXX XXXX XXXX is currently banned from collecting in the state of Illinois -- which is my current residence. Also, since this agency is responsible for the only collection any of my three credit reports, their false reporting has caused me undue damage.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (OR).
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 have been disputing XXXX XXXX XXXX account in order to have it removed from my credit report as I feel based upon my research it is not reporting accurately or in compliance with FCRA or the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with DISCOVER BANK (NJ).
Issue: Credit card protection / Debt protection

Complaint: Discover Card : XXXX As it appears on account : XXXX I have just been made aware of these charges. Discover claims they have me signing up for the service in XX/XX/2010. Through a verbal agreement. I do not recall signing up for this service nor can they provide my with a recording of the agreement. 
Since XX/XX/2010 until present date an estimated $ 3,800+ dollars have been paid out to this protection service. 
I asked for proof of the contractual agreement and they can not provide me with it. 
And as I stated I do not recall signing up for it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to XXXX issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

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 01/31/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i am very very upset while i understand the right the bank has to file foreclosure i want a loan modification and to pay please. I do not have time though i will if i have to to write a formal answer to the complaint. or the money. XXXX of the barriers is is my ex husband refuses to help me wtih the income taxes 2015. so i can apply for loan mod. I do have income now and can and want to catch up. PLEASE help me. filing this while i know you have the right to makes me very upset, stressed and i want to avoid it. PLEASE. i have XXXX and XXXX payments and soon will have more. I have gotten letters previously not helping me. I need to know how to pay. Please call only after XXXX and only at XXXX PLEASE. work with me. I have reached out many times and your system of sending letters is not helping. I have no money for fees so despite them being valid please remove so i can stay on the right side. and avoid taking any legal protections i want to avoid. i am working XXXX XXXX to catch up. HELP how do i pay? what is escrow shortage? who can i pay? can we set up a forebearance plan. my issue is without the ex husband doing the taxes 2015 as only he knew how to do it i am stuck I care i will do anything please. 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 09/22/2017 about Debt collection (Other debt) with URS Holding, LLC (KY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.

Company response to consumer: Closed with explanation