milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Law Offices of Timothy M. Sullivan (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I contacted the Offices of Timothy & Sullivan on today XX/XX/2017, to settle a past due debt that I have. I was advised that XXXX ( Provided no last name ) was assigned to my case. I spoke with XXXX, he refused to accept my offer, he also refuse to sent my request to their client. I advised XXXX since he refused that I will make other arrangements to pay the account. I then contacted the paralegal who was handling the account, XXXX who was every kind and helpful. After ending my call with XXXX I received a call back from XXXX asking ( more confirming ) my employer, my work number phone number. He then threatened to send a wage garnishment to my employer. I advised XXXX that I was working with XXXX, he spoke over me in a very rude and unprofessional tone. I eventually had to hang up the phone as he was being very disrespectful and demanding I pay the account today. I then realized that XXXX contact me on my work phone. I request the Offices of Timothy & Sullivan not contact me AT ALL. Any communication be sent via mail or from XXXX directly.

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 08/30/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company CALLED MY SISTER and claimed that they had that number as my personal residence. 

This is not true, had never been true, and they are in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a XXXX Fraud Alerts email on XXXX XXXX, 2015 asking if I had made a purchase for my XXXX XXXX account in Florida that day. I contacted the bank, they stopped the payment and issued me a new credit card. I changed my passwords and upped my security. Two months later, when using XXXX XXXX again, I noticed another person 's name and number on my account. I contacted XXXX and they advised me to file a police report. I went to the XXXX Police Dept and filed an identity theft case on XXXX/XXXX/15. They advised me to run a credit report and see if my credit was affected. When I ran the report on Experian, I noticed a XXXX credit card open in my name with a balance of over {$4000.00}. Only the first XXXX numbers of the account were visible and I do not recognize them. I called XXXX Fraud hotline yesterday to inquire and they informed me this is connected to an account that is either closed, purged, or deleted. I told them that I have never closed an account with a balance on it, and furthermore, the recent transactions on this credit report item indicate that there are monthly payments being made, and the balance has XXXX risen and fallen during different months between XXXX and XXXX of this year. I am concerned that there is an apparently active account in my name that XXXX is denying its existence. I do n't know if this is a rogue banker, a computer error, or a systematic problem similar to what XXXX recently discovered and filed against XXXX XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. This account was over XXXX XXXX XXXX and closed. Just to be annoying this company opened it back up and reported it negatively to all three credit reporting agencies and of course dropped the score from over XXXX to around XXXX. This is not the first time that they did this. Once I challenged it with the reporting agencies it was corrected, this however was not something that was done on accident, it was done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (NY).
Issue: Money was not available when promised

Complaint: XXXX XXXX ( EST ) XX/XX/XXXXI received the response to my previous complaint XXXX Paypal Holdings engaged in partially releasing my payment held by them. As I tried to add my bank to withdraw the remaining held payment $ XXXX- their online system refused to let me do the needful.
XXXX XXXX ( EST ) Then I called Paypal and spoke to their representative XXXX who stated that I wo n't be able to withdraw funds before XXXX XXXX 2017.
Once again this is misleading and reprehensible information. They did release {$630.00} but they are obstructing me again for the remaining amount. The total amount according to my original complaint was {$1000.00}. 23 They chose to ignore my complete relief and continued to violate my rights as finance consumer.
I think it 's time CFPB must engage in a collective effort to discard such practices permanently from the US finance market.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: My ex-wife and I owned a property, with the Mortgage being held by Wells Fargo. We got divorced, and both of us ended up filing for Chapter XXXX bankruptcy and receiving discharges for each of our filings. Each of us surrendered the property as part of our filings. Since the surrender and discharges, Wells Fargo has not retitled the property nor made it available for sale, so my ex-wife and I are still accruing thousands of dollars in HOA fees and fines for a property we no longer own or have access to. While I can understand a small carryover, this has been ongoing for years as XXXX 2013 was the last BK discharge. We are looking to have Wells Fargo actually retitle the property to relieve my ex-wife and I of the additional financial burdens of the property since we do not own it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charge off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Payment information not recorded accurately. Account was in forbearance, then listed as being past due.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over  18-months,  several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of  a 180-day  written notice that after the  180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . Al l medical collections  must be removed immediately by all medical debt collectors, and I must be send  a 180-day  notice, so my insurance can work on resolving all claims. REMOVE ALL  ME  DICAL COLLECTIONS A S MANDATED!!!

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 01/25/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have filed a previous report with CFPB due to synchrony banks contact and refusal to accept police reports and id theft reports from local police. This account is not the only one that was obtain, all others have been closed and removed from my credit. 
This bank for Walmart credit card has refused to remove their reporting from my credit and is now contacting friends, family and employment stating I dont pay my bills, which I have no bills and dont use credit cards. This account isnt mine and I am not paying someone elses fraud

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 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently found that my identity has been used in an attempt to purchase a vehicle. I have not requested any loans for automobiles in XXXX of 2015 around XXXX XXXX. Someone has inquired about my credit XXXX times. I requested proof of request and the information is not being provided and is currently hurting my abilities to obtain a home loan. It seems to be some type of auto group in the XXXX area of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX/XXXX/XXXX I was approved for the Wells Fargo Visa Signature card. The card came with 2 bonus offers : 1. XXXX points ( worth {$200.00} in statement credit ) after spending {$1000.00} within the first 3 months. 2. 5x points on gas, grocery, drugstore net purchases for 6 months I successfully completed the first offer XXXX XXXX points XXXX by my XXXX/XXXX/XXXX statement on which it showed a balance of {$4500.00}. I continued to take advantage of the remaining offer of 5x points by making purchases at grocery stores. On XXXX/XXXX/XXXX I logged onto the WF mobile app after having a transaction declined to find that my account had been closed by Wells Fargo. At that time of closure I had XXXX points pending on my account equivalent to {$160.00} in statement credit and had yet to be rewarded for successfully completing the first bonus offer ( XXXX points ). Thus, I had XXXX in pending rewards that I had earned while the card was open. When I called the WF Executive Office on XXXX at XXXX EST the representative noted my account was closed for rewards abuse. WF misled me by indicating that rewards would be earned in the amount of 5x for all purchases made at grocery, gas, or drugstores for the first 6 months. WF never indicated a cap on rewards or that spending more than they deem acceptable would result in account closure. I never spent more than my credit limit and made on-time payments. I feel that I was misled and treated unfairly.

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 01-08-2018 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: Account status incorrect

Complaint: This account was disputed with " Experian and XXXX XXXX XXXX XXXX XXXX '', a letter requesting its validation with a 30 days compliance reply requested by mail and send via certify letter on XXXX/XXXX/XXXX with No answer I further remind that, as in XXXX XXXX XXXX Experian Corp., No. XXXX ( XXXX XXXX XXXX, XXXX ), may be liable for your willful non-compliance. XXXX XXXX Bank Acct # XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Experian still have this account in my credit report after failing to comply with a 30 notice to comply with the law.Fair Credit Reporting Act

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 11-10-2017 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: Investigation took more than 30 days

Complaint: sent po report from XXXX to experian and XXXX XXXX cra violation

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 09/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: On my loan account on AESSuccess.org, there is no information that I can access to check my loan balance month over month or even access this month 's loan balance. This is deceptive and makes it impossible for me to keep track of my loans and make sure that AES is not adding in fees or can be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Using a debit or ATM card

Complaint: This is the WORST bank everWhen I went to open a new checking account with PNC Bank, the bank being made very attractive advertising and they are very polite when you began to open a new bank account, giving a blank application documents and check ID after that just want you signature on blank application form without remind related cost or fee, that is the problem is the nightmare began, In generally different banks when using ATM card withdrawals will charge fee is currently the bank system business, but PNC bank charge a lot of fee with too high too expensive compared with other banks, if you go withdrawals cash with non PNC ATM machine the charge will be for example : cash out amount of $ XXXX {$27.00} ( fee {$7.00} ) if you just look balance before withdrawals will charge additional fee {$3.00}, so total will be charge {$10.00} for just XXXX cash withdrawals, plus Service Charge monthly fee {$10.00} and account maintenance charge {$12.00}, all these costs they are not given detail information when you open new account, I have been cheated feeling .... 
Extremely disappointed with PNC

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I have a My Best Buy credit card issued by Citi Bank, N.A. Last week, I noticed a {$13.00} charge for " XXXX XXXX Insurance Fee. '' I never signed up for XXXX XXXX Insurance and I 've been charged for it every month since XXXX XXXX, 2014. I called the My Best Buy Customer Service and told them that I never signed up for this service. I told them I wanted to cancel it and that I wanted a refund. Best Buy Customer Service cancelled the service, but refused to issue a refund. I never agreed to pay for this service, so I should n't have to pay for it. These unauthorized charges add up to {$140.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I discontinued services with XXXX and switched to XXXX. I was given a final balance and paid the amount in full. The next month I received a bill for {$26.00}. XXXX indicated that they were unable to remove the charge because the internet portion of my account was still active. They acknowledged their mistake, but insisted I still owed the {$26.00}. In XXXX 2016, I received a collections letter from the " XXXX XXXX XXXX ''. I responded with a written dispute on XXXX/XXXX/16. I have now received another collections notice dated XXXX/XXXX/16 from " EOS CCA '' for the same disputed debt. I was called by them and later called back to let them know that the debt was already disputed in my XXXX/XXXX/16 letter. They indicated that the debt was not placed with them until XXXX. I believe that XXXX is trying to use multiple agencies in an attempt to circumvent my rights under the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: My complaint is against Bank of America, N.A. ( BOA ) and their unfair practices with denying me a remodification loan - while they are trying to slow-walk me into foreclosure. I have a Home Equity Line of Credit ( HELOC ) where I was paying on an interest-only loan. After 15 years, the terms of the agreement changed to where I had to pay the principle and interest at a higher rate. Note : The payments have almost tripled. I have been requesting a remodification since XXXX 2017, and with each formal request I have been denied three times with very vague excuses. Moreover, BOA has encouraged me to keep applying for a remodification loan, while the payments and late fees keep piling up. Although I have been paying something on the bill, I am unable to pay the full amount each month. So, according to BOA, there is a danger that my home will end up in foreclosure. One BOA  representative told me verbally that they think I can pay the high amount without a remodification ; while another rep said that I did not have sufficient income, or my expenses were too high. BOA appears to put me off without giving me clear directions on what to do. I have had a BOA rep call me and then hung up when I answered. I think this is so that they can say that they have tried to reach me and did not get a response. BOA tells me that they are willing to help, but then drag out the remodification process with back-and-forth issues of losing my documents until I am so far behind that the foreclosure proceedings may be imminent - according to them. Each time I have been denied a remodification, BOA has sent me the same Stock letter,  but with a different date. Also, BOA keeps losing all of my documents, and then claims that I never submitted them. BOA keeps recording me late every month which degrades my credit score. No other mortgage company wants to do business with me because of my HELOC account with BOA. I have attached copies of some of the documentation that I had on hand of the unsigned correspondence from Bank of America.

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 06/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I filed chapter XXXX toward the end of XX/XX/XXXX and received my discharge XX/XX/XXXX. I have since began to rebuild my credit but my efforts have be adversely by XXXX lender, Specicalized Loan Servicing ( SLS ). They have reported correctly to XXXX XXXX 's but XXXX, XXXX. I received a credit update on yesterday of a XXXX point decrease due to an update SLS make to XXXX. I 've disputed this notation several times but no correction has been make. I really need to get this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with Law Offices of Timothy E. Baxter & Associates, P.C. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX. dated XXXX XXXX, XXXX in my personal mailbox on the evening of XXXX XXXX, XXXX. The letter stated that they are a debt collector and are trying to collect a debt from me. I immediately called the business the next day, XXXX XXXX, XXXX, while I was at work and asked what the debt was about and how they came up with the amount owed. To my knowledge, the debt they are attempting to collect on was charged off from the original creditor and sold to another company, not XXXX XXXX XXXX and XXXX, XXXX. I spoke to a customer service representative who identified herself as XXXX on the phone and told her I was willing to work out a payment plan to pay off the debt if was truly verified as mine. I explained that I only have XXXX income and could not afford more than {$20.00} per month as a payment, which is a major reason this debt was originally charged off and sent to collections. XXXX said that XXXX XXXX XXXX XXXX XXXX, XXXX. would not accept less than a payment of {$91.00} per month, to which I replied that this amount was not feasible on my income. I asked what would happen to me if I only made small payments and not the {$91.00} payment that I had no way of making and XXXX told me that her company could sue me and garnish my wages. I reported XXXX XXXX XXXX XXXX XXXX, XXXX. to the XXXX XXXX XXXX and Michigan Attorney General 's office in an attempt to protect myself from have legal action pursued against me as I am genuinely attempting to work with this business and pay this debt. I feel that XXXX XXXX XXXX XXXX XXXX, XXXX. does not care that I am willing to make payment arrangements with them, that I have XXXX income and I 'm living in poverty or that I am making an honest effort to repay my debt. They have poor business practices and to threaten legal action right away is very threatening and unacceptable.

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