milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2018 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (DE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting. 

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: in XXXX I filed for a chapter XXXX protection in XXXX, i was making my payments and due to my health i had to quite working I was unable to make a chapter XXXX and the case was not discharged. I moved to XXXX XXXX and in XXXX filed and received a discharge for a chapter XXXX for the creditors that was listed in the XXXX chapter. Transunion reported it as a chapter XXXX discharge in both XXXX and XXXX, even though the XXXX chapter XXXX was not Discharged all the other credit reporting agency have removed the public record but for some reason Transunion has not. I have checked with the court in XXXX and they say that it has not been discharged but Transunion keeps insisting that they can verify the information. The fact is it is against the Bankruptcy code to file and have discharged two chapter XXXX with in ten years. I do not know who they are verifying there information with but i know that the one in XXXX should not be showing discharged I am just trying to get the correct status on recorded and not be dinged for the same thing twice. Docket # for 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 09/16/2016 about Credit card () with TD BANK US HOLDING COMPANY (UT).
Issue: Billing statement

Complaint: My Nordstrom card did n't process my payment. 
I got a payment return notice, the bank said there was not a transaction on the date given to me by Nordstrom.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute LVNV Funding LLC account number # XXXX on all 3 of my credit reports.. The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed items on my report several times,  XXXX  refuse to delete items that have already been disputed on  Transunion. I  asked them repeatly to provide me with proof of their verification which they refuse to send me. I also ha d  XXXX  public Records  listed on my report. law as of   XX/XX/XXXX   state if cant verify it has to be removed. well all  XXXX  credit agencies removed   XXXX     of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX     of the collections account was removed  (   XXXX   XXXX   XXXX   XXXX   ) and they put it back with out notifying me within  5  business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method   XXXX   XXXX   XXXX   is undeliverable and how can you delete   XXXX  b ut verify the oher, please delete

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 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my numerous requests to investigate, verify and remove the accounts from my credit report that were opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a letter from Receivable Management Group , Inc. claiming I owe money for an outstanding medical bill for the amount of {$57.00} in which it was paid in full two months ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a XXXX checking account in XXXX XXXX with a promotion for XXXX XXXX XXXX miles after meeting the following requirements : 1 bill payment for 2 consecutive months and {$2000.00} in debit card purchases in 2 months. I met the requirements in XXXX XXXX and confirmed with a Citi representative that I have met the requirements and would receive the miles in my XXXX XXXX account no later than XXXX XXXX, XXXX. Per the terms of the bonus offer, Citi has up to 90 days from the statement end date that the requirement was met to deposit the miles. As of XXXX XXXX, XXXX I have not received the miles and have not been able to get an answer from Citi as to when the miles would be posted. I have contacted XXXX XXXX and confirmed that they have not received any miles from Citi. Citi has not fulfilled their end of the bonus agreement and I would like the miles deposited to my XXXX XXXX account ASAP.

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 09-02-2017 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I closed an account in XX/XX/XXXX ( from Charter One Bank ), the same week I had a XXXX XXXX. I completely forgot about this in the following weeks. On XX/XX/XXXX, I found and presented the cashier 's check ( # XXXX for {$29000.00} ) to the now Citizen Bank branch at XXXX XXXX XXXX XXXX XXXX, Ohio. They accepted the cashier 's check, and I opened a cd and a checking account. Several days later, a letter arrived from Citizen Bank, XXXX XXXX XXXX, XXXX, Rhode Island XXXX. It stated the check would not be honored. They have possession of the ' official check ' ; I have two accounts with XXXX balance, and they want {$20.00} for a returned check. They advised to check Ohio unclaimed funds, but there is nothing listed there. 
I want the proceeds from this cashier 's check. Please advise what you can do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Payday loan () with CHECK INTO CASH INC. (OK).
Issue: Charged bank acct wrong day or amt

Complaint: I received a payday loan with ( Check into Cash ) I paid interest fees and somehow my banking account gets completely out of order I explained this to them and they continued to send check through my account, then broke all kinds of confidentiality codes/law 's, Thank You For Your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: At the age of XXXX, I met with a counselor at XXXX University, in XXXX, CA.
I applied and was accepted into there XXXX program which I completed XXXX 2014.
To pay for the tuition I secured a Fafsa loan.
I accrued a {$180000.00} debt. Now I ; m homeless and suffer from XXXX XXXX.
The XXXX University counselor failed to inform me that being a resident of California and over age XXXX, I could have earned an XXXX at a California XXXX University, for only {$11.00} per semester not per course but per semester.under California Education Code Section 68017, ( XXXX year old tuition waiver ) But being that XXXX is a for profit school, they convinced me to attend XXXX they took advantage of me, and did not inform me that I could earn an XXXX at a California XXXX  University school for under {$1000.00}, total.
Instead I attended a XXXX and incurred a {$180000.00} debt.
Which now at age XXXX will Never be able to REPAY.
Please help me. Please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (AK).
Issue: Loan servicing, payments, escrow account

Complaint: Previously filed a complaint due to mismanagement of my escrow account by Caliber Home Loans. CFPB Claim number XXXX. Received a response from Caliber regarding refunds issued for the incorrect and lost payments withdrawn from my escrow account and correct payment issued on XXXX/XXXX/XXXX for my full XXXX property taxes. Before all the corrections were made, Caliber issued our XXXX IRS Form XXXX which reflected the incorrect amount for taxes paid. I disputed their initial response as well as emailed the Caliber complaint department notifying them of the incorrectly reported taxes paid for the year in block XXXX of our XXXX and I requested a corrected XXXX. I never received a response to either of my written requests. I then called the Caliber Tax department on XXXX/XXXX/XXXX and spoke to XXXX ( Teller ID # XXXX ) who informed me that she spoke with a manager and the manager stated that they would not be issuing corrected XXXX because Caliber does not report this information to the IRS and that I should go to my taxing authority to get the correct amount. I informed her that I do n't believe that is an appropriate answer as I am required by the IRS to use these forms provided to complete my tax return. They have incorrectly reported the amount in block XXXX and should issue a corrected XXXX. She stated they would not issue a new form so I advised that I would be filling a new complaint to address this because I do not believe that is appropriate business practice to provide false amounts on an official tax document used for tax reporting of my personal return for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Consumer Loan (Vehicle loan) with Credit Connection LLC (NE).
Issue: Problems when you are unable to pay

Complaint: Hi, I am looking for some help or answers. I have a car with local finance company. I have had car for about 2 years. XX/XX/2015, I had to go though XXXX and a XXXX in XXXX and still recovering. Unfortunately since ca n't work I have fallen behind on loan. The company has now again for the third time called my parents no I am not a minor, they have called and told my parents directly that I am behind on loan, amongst other private information. Today they again called my parents BEFORE calling me even first today ... my mom called me and said they had called her telling her I was xx amount of days late, that I did not have valid insurance, and they were coming to repo the car today or tomorrow. I am very upset yet again they have called my parents and revealed personal information. What can I do here ... .anything??

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 08-01-2015 about Debt collection (Credit card) with Professional Finance Company, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, 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 07/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is owned by XXXX, we have painfully dealt as best we can with all of the shenanigans our lender has stuck us with over the past 10 years. XXXXGreentree>Ditech, A XXXX company.  We have battled almost every step of the way when my husband was XXXX in XX/XX/XXXX.  Now we are in foreclosure again due to a modification trial payment mishap which now has us devastated and in fear of losing the one thing that we have worked so hard to keep since purchasing in XX/XX/XXXX.  I've tried calling my "acct rep" multiple times, left many messages, emailed a request for them to call me, and have called the main number several times with no success getting someone to help us.  My calls going unanswered and ignored have me furious and suspecting that we are being mistreated in every possible way.  Like many others I've read about dealing with similar problems with this company, I feel certain these are not simply "isolated cases" and certainly no accident.  I want to keep my home and they don't care to help properly. They've changed my account number multiple times, and assigned me many different reps through the years, now I feel I'm falling on deaf ears.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Closing on a mortgage

Complaint: The first request sent to obtain a Lien release from Ditech Financial was on XXXX XXXX. We have been trying to close escrow since last Thursday but we can not because the buyers lender requires a copy of the XXXX XXXX XXXX be completed and signed by Ditech before they will fund the buyers loan to close escrow. For each day they delay in getting this to us we are paying an additional days interest because we can not make payoff until buyers loan funds. Our Escrow company has been calling multiple times a day for the last 2 weeks trying to get this completed form, I myself have also called many times. Thursday I called twice, tried to escalate it to a supervisor in the lien department, they informed me that this department does not answer phones, I was informed it was escalated via email to a supervisor and that I should have resolution within 24 hours. This did not occur. Yesterday our Escrow company was informed that the original request which was sent on XXXX XXXX was made on an incorrect form, why was our Escrow company not informed that the paperwork they received was incorrect? Our Escrow company resent the correct paperwork yesterday, and called this morning ( XXXX ), they were informed that it takes 3 days for the Fax to get into their system?? The Escrow agent that initiated the request was told by one agent at Ditech that the Lien department was 6 weeks behind! I have attached the documents sent to Ditech from XXXX/XXXX/XXXX through yesterday XXXX/XXXX/XXXX. These contain emails and faxes to a multitude of people that I was told to send my requests to and these include the Lien Release Department, supervisors and customer service people. We can not close escrow or transfer the mobile home title without this document that it is a requirement of the State of California Department of Housing and Community Development and that every other mobile home lender gets these to our escrow company within a couple days of the request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, I had a balance of {$110.00}. I had XXXX transactions for {$120.00}, {$17.00}, and {$5.00}. Instead of clearing the smaller items, Bank of America charged me for XXXX overdrafts, at {$35.00}. I know Bank of America uses an algorithm which sends the highest amount through XXXX, and then, instead of paying the smaller items, they charge {$35.00} each. On XXXX XXXX, I had XXXX deposits totaling {$1200.00}. I wonder when this small window of opportunity allowed the Bank to charge me {$100.00} for overdrafts, when I have a positive balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: We received and letter fro m Citi d  ated   XXXX   XXXX  2017 , s tating the account has been closed, for possible unauthorized use, and a new account number, upon approval. We than receive an invitation letter fr om Citi to re-apply an Citi A/A Advantage st ating that we would receive the mileage with additional  XXXX  mileage, if we spend {$3000.00} within the first three mont h. When I apply for the credit card it on   XXXX   XXXX  2017 , we received an letter from Citi stating the credit privilege are currently restricted. But never stated the account has been declined. As of today, we still have not receive an official response from Citi in reg arding to this matter.

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 06-01-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX XXXX on or about XX/XX/XXXX. They offered me a " reduced balance opportunity '' for a XXXX  debt. However I contacted XXXX and I do not nor have I have ever had a debt owed to them. I called the number listed on the letter and it just disconnects after being placed on hold. <P/>The date of the letter is XXXX17 The sender is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, WA 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 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Collection company " Convergence '' called me at XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am not able to reach Experian over the phone and not allowed to access my report online.I have disputed judgement that has been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.

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