milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with NRA Group, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Affidavit of Denial XXXX XXXX XXXX XXXX XXXX XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX XXXX XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XX/XX/2017 I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator 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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Creditor Name/Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Creditor/date of inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 03/25/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: In XX/XX/XXXX, I sent a check for {$99.00} to Citibank as payment for my wife 's credit card. The money was not applied to her credit card. Instead, it was inadvertently applied to XXXX of my closed credit cards which was discharged in a bankruptcy in XX/XX/XXXX. I called Citibank on XX/XX/XXXX and inquired about the payment, informing them that I had mailed a check for {$99.00} for my wife 's Citibank credit card, but the payment was not showing on her account. Citibank informed me that they had mistakenly applied the {$99.00} to XXXX of my credit cards that had been discharged in a XX/XX/XXXX bankruptcy instead of my wife 's current Citibank credit card. They then informed me that they would be mailing a refund to me for {$99.00} no later than XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the refund. I contacted Citibank again today and they told me that there is a possibility that I will NOT receive a refund, without giving an explanation why. As stated earlier, Citibank has acknowledged their mistake by applying the funds to an account which was closed in XX/XX/XXXX and discharged in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Client has applied for a modification through US Bank and all of the requested documents have been returned in an timely manner.  However, to date US Bank is still requesting the same documents over and over and saying that the documents are expired.  Reason being is because the keep the documents until they expire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Consumer Loan (Vehicle lease) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: XXXX XXXX LEASED VEHICLE WITH WELLS FARGO BANK 60 MONTH LEASE WITH PAYMENT HISTORY CURRENT THROUGH XXXX XXXX XXXX XXXX VEHICLE TOTALLED IN ACCIDENT DURING XXXX INSURANCE PAID REMAINING BALANCE ON LEASE IN FULL XXXX XXXX XXXX, WELLS FARGO REPORTED TO ALL XXXX CREDIT REPORTING AGENCIES THAT MY LEASE AMOUNT OF {$25000.00} THAT ORIGINATED IN XXXX XXXX WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY FILED IN XXXX XXXX, DISCHARGED IN XXXX XXXX. 
THIS INACCURATE REPORT HAS CAUSED FINANCIAL HARDSHIP TO THE EXTREME THAT I HAD TO PAY EXHORBITANT INTEREST AND FEES ON LOANS, IN ADDITION, I AM NOW WITHOUT A VEHICLE DUE TO THE REPORTS CAUSING ME NOT TO QUALIFY FOR AN AUTO LOAN ANYWHERE IN THE UNITED STATES. I HAVE DISPUTED THE ERRORS NUMEROUS TIMES WITH ALL XXXX CREDIT AGENCIES WITH XXXX RESULTS OF REMOVING THE ERRROR REPORTED BY WELLS FARGO. INSTEAD, WELLS FARGO CONTINUES TO UPDATE THE PAID IN FULL LEASE ACCOUNT FROM XXXX AS DEROGATORY.

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 03/15/2017 about Debt collection (Medical) with Senex Services Corp. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had paid all my debts off in 2015 and have never received a bill from these people since so I 'm sure it was paid and they called me and I have asked for them to send messages bill and they gave me my address and I still to this day have never received a bill so I believe they are trying to double collect on this beings out the blue I get calls from these people and this was put on here after several years and no bills and knowing I payed everything off that I was billed for they went back and trying to collect again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I asked for a specific XXXX XXXX account to be deleted from my credit profile but instead Transunion deleted all of my XXXX XXXX accounts. So i 'm now requesting Transunion to reinsert only the XXXX XXXX accounts that i list. Here are the exact XXXX XXXX accounts to be reinserted. 
1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX Bank XXXX XXXXAccount # XXXX 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 non-monetary relief
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with Law Offices of Thomas B. Peterman, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company has been calling me and all my Family members. Impersonating lawyers, and threatening to sue, aggrevating, and harrasing.

Company response to consumer: Untimely response
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing this complaint with the CFPB out of frustration with my lender SunTrust mortgage who is unfairly denying me access to additional modification options after I have proven my eligibility to receive the help. I have resided in the XXXX XXXX area for 10 years and purchase my home XX/XX/XXXX. I have been the primary owner since XX/XX/XXXX and enjoy very much living here. My situation and hardship began after the recession hit that made it difficult to make my monthly mortgage payment because of the shortage of clients and a decline in business. I contacted SunTrust my lender for some modification assistance and was granted a modification program that was a much needed respite from the payment difficulty I was experiencing. Extremely grateful for the assistance I made the payments without fail for 2 years until I received word my mother who resides in XXXX was in a XXXX and because of her financial situation needed my support to cover medical bills and prescriptions necessary for her recovery. Due to this incident I fell behind on the modification payments in XX/XX/XXXX and missed only XXXX maybe XXXX payments. I contacted SunTrust again to see if there was some way to reinstate the previous modification or get access to some other modification arrangements but after SunTrust completed a review for the additional aid SunTrust deemed I could not afford my home. This was grossly inaccurate because I only missed XXXX maybe XXXX months of payments, was still gainfully employed and now back on my feet from the financial set back I experienced and was doing everything to get back in the good graces with SunTrust to regain my mortgage credibility. In addition to that based on my current income and the fact that I am not that far behind on my payments I am certain I fit the criteria for the additional assistance and need SunTrust to perform a more in depth review of my qualifications that will prove I am eligible to receive the aid. I believe this situation can be remedied if SunTrust would open the door to a proper review and consider other payment options for the arrears like putting the late payments at the rear of the loan or increasing the term of the loan granting me the payment cushion I need to get back on track with my mortgage. I am more than willing to work with SunTrust, will comply with any and all request but am having a seriously difficult time persuading SunTrust to offer a reasonable solution to this dilemma.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have tried to update a wrong credit report with cbna and was told they were unable to help me and correctly update an account debt that was sold to another creditor and since been finalized and then I tried to contact experian directly to help me and they do not have a way to speak to any one, only automation phone. Very frustrating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XX/XX/2015, XXXX XXXX paid 2 ach debits for large amounts over my balance without my authorization. They have a policy of not paying over a certain overdraft amount and i did not have overdraft protection. I contacted customer service by phone and was in communication by email with the branch manager few  times in XX/XX/2015. Account was closed due to NSF with negative balance around {$280.00}. Balance was all overdraft/account fees due to the unauthorized debits being paid for 2 times per month for few months. i requested to block the entire account. for several weeks, the account was charged {$33.00} per NSF ACH debit and {$6.00} weekly for keeping it negative balance and finally closed and sent to XXXX. i tried to stop all of this with the bank and was unsuccessful.

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 06/16/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Trouble during payment process

Complaint: My mortgage was sold fr om   XXXX   XXXX   ( which I 've never had any problems with ) to   Freedom Mortga ge.  XXXX  notified me of the service transfer on   XX/XX/XXXX ,   indicating that the payment switch will occur betwee n  X/XX/17  and   XXXX  . However, FM did not contact, notify, or inform me of how to pay  until  XX/XX/XXXX   - over two fu ll weeks after the service change.  <P/> I understand that no late payments can be charged within 60 days of the service transfer, but it is also my understanding that FM had the obligation to notify me of the transfer " no less than 15 days *before* the effective date of transfer ''.  <P/> I am concerned about having FM service my mortgage given their infamous customer service, accounting practices, lack of professional standards, etc..

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 11-03-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For years I have gotten daily messages on my voicemail from " XXXX XXXX '' at Municipal Service Bureau saying he is calling to collect a debt. 
The calls come from phone # XXXX. I do not have any outstanding debts. I researched this on the internet and discovered this is a scam. Is there anything you can do to make these calls stop?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The current mortgage company has been giving us trouble since they took over the loan last year. The previous mortgage company did a loan modification with us, the new deal was they gave us a balloon payment of {$15000.00}, to be paid at the end of the loan, so we signed the agreement. The current mortgage company demanded that we pay the balloon payment the XXXX month they had the loan, it took us almost 1 year to straighten this out, every time we called there was someone new assigned to our loan. I believe they charged us interest on the balloon payment during the dispute period. Every time we ask for paperwork they say we have to submit the request in writing and when we call back after a month they say they already mailed it and we must resubmit the request again. 
We made a payment on the principle last year but they still show the same payoff date on our statements, and the interest payments are n't going down in size by very much. 
We made another payment this year on the principle and we asked them the same questions and they say we must request information in writing, so again we requested the payment schedule from them and we called them back after a month and they said they had already mailed it XXXX XXXX and today is the XXXX and they said on the XXXX they would mail it again and we still have n't received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Managing the loan or lease

Complaint: The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: SEVERAL DISPUTES AND NO RESOLVE

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 12-01-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A late payment of XXXX days hit on my credit report for a credit card that I did not know existed. There is no way this account is mine and and after getting a copy of my credit report, it was opened in XXXX. Can you please look at the history of this account and provide me with who opened it and how? XXXX has the account linked to an address of XXXX XXXX XXXX, XXXX, NJ which is where my ex-boyfriend used to live and it seems that he might have opened a card under my name illegally. If he did, then I will file a police report and identity theft affidavit but I am sure that after you do your research and what account the payment came from, you can see it is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX Santander Consumer USA repossessed my XXXX XXXX XXXX XXXX while I was in XXXX, NC for work. I gave up the car willingly knowing communication would ensure shortly thereafter to recover the car. I had find another to get home that Saturday after my vehicle was repossessed. Weeks passed and I received no further communication from Santander. I did, however, notice changes to my credit report during those weeks. After researching about my rights at the suggestion of a local attorney I learned Santander did not maintain a legal repossession process. After my car was taken according to " O.C.G.A. 10-1-36 ( XXXX ) XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency '' Santander had 10 days to send me a Right to Recover Notice in which they would tell me what I needed to pay recover the vehicle and resume my car loan. To date no certified letters were delivered to me, no certified letters were signed by me ; therefore Santander violated my rights as a consumer to recover my vehicle. As a penalty of this violation the State of Georgia deems any balance deficiency void. Santander is reporting several different balances to all three major Credit Bureaus, XXXX, XXXX and XXXX. None of which are accurate, the only accurate balance would be {$0.00}. 

I sent certified mail to Santander on XX/XX/XXXX notifying them of their violation. They sent back letters in which the word certified has been typed on the letter, but no valid signature of receipt or tracking number was provided for these " certified '' letters. Once again, I am demanding Santander show me proof that a certified letter was received, signed and delivered to me regarding my right to recover my vehicle and resume me loan. Without a documented process to notify me properly of my right to recover Santander has no right to recover a balance for the car. They are well aware of my dispute of the reporting balances, therefore I am waiting until XX/XX/XXXX for this documentation to be presented to me. Without it I will proceed to file against Santander XXXX XXXX to the Georgia Attorney General for illegal business practices in the State of Georgia. I will not rest until they remove the false reportings of a past due balance from my credit reports. They are no longer are entitled to any deficiency balances, because they illegally processed and sold my vehicle without my knowledge or giving me the right to recover it in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2017 about Debt collection (Credit card) with DISCOVER BANK (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Contacted my employer and left a message with my human resources department. I sent written notice to not contact my employer on XX/XX/2016.

Company response to consumer: Closed with non-monetary relief