milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Party in error : XXXX 's - Creditor XXXX Located in : XXXX XXXX MallAddress : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXPhone : ( XXXX ) XXXXCollection Agency involved : XXXX GroupXXXX XXXX, XXXX XXXX : ( XXXX ) XXXXCase Reference number XXXXExplanation : I applied for the XXXX 's credit card, that this charge involves, in approximately XXXX of 2013, at the XXXX 's XXXX XXXX, XXXX store, at time of purchase The charge was for approximately 200 $ I applied for the credit card with the intention of building some credit as my credit history is blanko I have always paid for purchases and cleared up any and all debts with cash I was denied for the XXXX 's credit card at time of purchase because I had no credit history I paid for the purchase with cash I have not ever received a bill, credit card, notification or other indication that I had ever been approved for the card application After one full and entire year passed, after not having received a single bill or notification from the department store, I started to receive collection agency notices from the Northland Group for this charge I provided the following address with my application and since receiving the collections notice have been in contact with a billing specialist at XXXX 's to determine that they do have the correct contact information for my billing and home addresses ( address omitted here per instructions ) According to the billing specialist from XXXX the current charges include a year 's worth of late charges added to the account for delinquent payment on the account Because of the mix-up at the store level when the debt was paid in full with cash and my credit application was applied for and denied the company has not processed the cancellation of the credit application properly and continues to try to bill me and collect a debt which does not exist This billing and credit application error has destroyed my credit rating because it is the only item on my credit history. 
Other than this error in credit application cancellation, for a debt that was paid after the credit application was denied, I have nothing on my credit history. 
I do not even have a XXXX 's credit card number or any other reference for this case and charges as the credit line and card were never issued or mailed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Deposits and withdrawals

Complaint: I am in the process of buying a home and will be making several high debit charges for money orders and certified checks. I contacted Ally to increase my debit card balance. I was told by a representative that a request would have to be submitted and that the review takes 3 business days. Also, I was told that this increase would be temporary and that the debit card increase, if approved, would only last 3 days. This is problematic because the XXXX debit will be 7 days away from the XXXX debit. This policy will likely result in me not having access to my funds and will delay my closing which in turn will cost additional expenses for me.

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 04/20/2017 about Debt collection (Credit card) with DISCOVER BANK (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection from National Credit Systems reporting on my XXXX and XXXX credit report. I have disputed this account on several occasions on the grounds that I have no knowledge of the debt and request a full debt validation on this account. I have requested over XXXX debt validations on this account in the last 8 months with no debt validation being received. This is XXXX separate violations through the FDCPA. The first violation being that they are continuing to report negative information on my credit report that is inaccurate and XXXX they are well over their 30 days allowed to send requested proof to myself as a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: in 2010 i obtained a harp mortgage from bank of america since modification i paid the mortgage every month on time after the first year i received a letter sTATING I AM ELIGABLE FOR A XXXX XXXX DOLLAR CREDIT SINCE MDIFICATION I WAS BEING REPORTED TO THE CREDIT BUREAU AS DELINQUENT THIS RUINED MY CREDIT SCORE i tried unsucesssfully to rectify this error speaking to several people at bank of america without any success what can be done

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX  XXXX  XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I received a letter to my physical address I provided to Bank of America. This letter was mailed to my current physical address ( XXXX, WA ) and asking for my country of residence. I provided this on account opening ( obvious since I received my letter ) and am concerned that the information was misplaced, or the web application the bank uses is not committing the information correctly during the automated online account opening process ( or letting anyone, including XXXX 's open accounts ). I wish that the bank could confirm that my account information is secured and that they overlooked my account information prior to mailing this letter. The Bank of America chat representative could not state why my information was missed on the automated and validated online application. I was given no choice but to provide this letter back or my checking account would be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX+ years however the debtor is also reflecting the account/charges were just recently opened XX/XX/XXXX months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband continues to receive phone calls, sometimes daily from a company called PRA Group. They are looking for me under my maiden name. They have been told repeatedly that they have the wrong number and that I have no business matter with them. There is no record of PRA Group on my credit report and they refuse to stop calling and request my personal information any time I call to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Over the past couple of years I 've been contacting Champion Mortgage to apply for a repayment plan in order to catch up on my back taxes. I sent hardship applications on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and never received a response from Champion. I also sent letters to Champion in XXXX and XXXX XXXX, and more recently on XXXX XXXX, XXXX to try to arrive at an arrangement. Champion never replied to the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with RAB PERFORMANCE RECOVERIES, LLC (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was not properly notified about the lawsuit or garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, we receive notice from Wells Fargo that we had to close all of our accounts in 35 days. We have no idea why. All they would say to us is that we are not beneficial. Wells Fargo purchased the bank that carried the original accounts. We had a question about the exorbitant fees charged for cash deposits. They set us up with a separate checking account for our cash deposits so that we could write a check to our business account without being charged fees. On a separate occasion, I had a meeting with two of the bankers ( I called them wolves ) who tried to frighten me into letting them invest some of my money into different areas. Needless to say, I left the bank very upset.. We had our flooring program through XXXX. Wells Fargo purchased XXXX. We received a letter dated XX/XX/XXXX that our flooring privileges were being terminated. We still can not find out why. We would like to know what we have done wrong. We still ca n't get an answer. If we have done something wrong, we 'd like to be able to correct it. All of our units were paid for on time, and we never had a problem when we were dealing with XXXX. After Wells Fargo took over XXXX, they did an audit of our books and the auditor found everything in order.

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 05-09-2017 about Debt collection (I do not know) with I.C. System, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There is a negative entry in my credit report for something in Connecticut, I live in California and have never lived in Connecticut.  I called the number on the credit report and the representative told me to pay the debt, I asked to speak to a supervisor, the representative disconnected the call. 
I filed a dispute with   XXXX    and they returned their findings as accurate, with no further information.

I C SYSTEMS COLLECTIONS # XXXX 
  XXXX   XXXX   XXXX   XXXX   XXXX  , MN  XXXX 
( XXXX )  XXXX 
Placed for
collection:
 XX/XX/2017 
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance:  $  XXXX    Date Updated:   XXXX   
Original Amount: $ XXXX 
Original Creditor:   XXXX   XXXX   XXXX   (Cable/Cellular)
Past Due: >$ XXXX <
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

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 07/25/2016 about Consumer Loan (Installment loan) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Shopping for a loan or lease

Complaint: I have been a Penfed Credit Union member over 8 years. I applied for $ XXXX signature loan, was denied, and the reason was too high loan balance? No explanation was given. The only account I have with Penfed C.U. is a $ XXXX XXXX, with a balance the was was $ XXXX, but has been paid down to {$6700.00}. My wife is a retired XXXX with a XXXX month pension and I am semi-retired with {$1300.00} monthly Social Security and I work part-time as a XXXX with {$3500.00} monthly additional income. Our mortgage payment is XXXX monthly, plus some smaller monthly payments.The Penfed phone employee did not listen to me and my reason for the installment loan request. I personally felt age discrimination. Please follow-up with Penfed.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Equifax continues to report tax liens XXXX and XXXX. The XXXX XXXX XXXX XXXX enforced an initiative as of XX/XX/2017 that these tax liens must be deleted if not verified. Equifax has failed to verify these public records.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: Hello I lost my job in XXXX and I fell behind in my mortgage payments. I was out of work for almost 2 years before I was able to find a job once I did they paid me less than half of what I was use to making therefore I could n't save to reinstate my loan. IN XXXX of XXXX I was thankfully rehired at my old job that laid me off. I applied for NJ hardest fund back in XXXX of XXXX they sent me a denial letter in XXXX XXXX XXXX stating they denied me due to my loan being due for XXXX and they only help with XXXX never did anyone reach out to me to see if I had the difference it was at that time I called and I had to appeal they did not review my appeal until XXXX XXXX now since all that time passed more money late fees, attorney fees got added up the roof I was able to save about XXXX to put with the difference but its still not enough. so now I may loose my house and I came this far the mortgage company is not willing to work with me and they are not following the state of NJ guidelines that the program only assist with XXXX. Please help as I do not want to loose my home I worked so hard for it and I will have no where to go with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Federal student loan debt) with SLM CORPORATION (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A single individual claiming to call from Sallie Mae repeatedly calls me and asks to speak to either my father or my brother. I tell them that they live in a different state and to please stop calling me. This same person again called me today at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Merchants' Credit Guide Company (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is concerning a XXXX that billed me for a full {$180.00} payment for an appointment that I cancelled. I called her office within the 24 hrs and her voicemail mail was full. I finally got thru the day before my appointment and left a cancel message. I did n't hear from her office for 5 months and out of nowhere received an invoice saying I owed her {$180.00} for a late cancel. I called and told them I had cancelled this appointment but to no avail. Today I received a bill from a collection agency called Merchants Credit Guide Co. in XXXX saying XXXX XXXX had sent the bill to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (MA).
Issue: Trouble during payment process

Complaint: Fay servicing is the new servicer. These actions have been ongoing for 10 years, since inception in XXXX. I have pled with my governmental agencies to investigate this since. 
My mother, and my mothers late husband were victims of predatory loan practices in Massachusetts. No one has done much of anything. I know have irrefutable proof of my allegations of fraud, forgery, federal and state mortgage laws, wire fraud, the list is endless. Fay servicing is now sending me 90 day right to cure, and a letter stating on whos behalf they are trying to close, in where they have no standing. ( the note was sold once again, on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX XXXX XXXX. Fay did not list them as the lender they represent. This sham needs to come to an end, as I have invested countless hours investigating this, and it is riddled with corruption, crime, and immorality of preying on the weak and disabled of this country, and I am imploring to you, help me stop this

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX my lender pulled my report and OCWEN was reporting a past mortgage almost correctly under my bankruptcy but still reporting a balance. I just had my lender pull a new report on XXXX/XXXX/XXXX and now they are completely violating the FCRA laws and completely ruining my ability to move forward with any financing. It now shows ( XXXX ) 90 day lates, the notes changed from CH XXXX BK to Foreclosure proceedings started XX/XX/XXXX, show a balance and a large past due amount. They need to report this correctly ASAP and confirm it is done in writing. I have included an attachment showing their malicious intent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with Credit Bureau Collection Services, Inc. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Receive notice from credit bureau that a collection file was added to the 3 credit bureau, for a XXXX dollar debt. I have yet to receive a written documentation from this collection agency in order for the right to confirm, or reply for verification of debt per. the fair credit reporting act. But they added this debt without giving me due process to verify this debt. In doing such I had no right to dispute or confirm if this an original debt is correct. in doing this unfair practice my credit score was drop, and made collection added as if it valid. I 'm a single parent trying to do right I will not be rail roaded unfairly.

Company response to consumer: Closed with non-monetary relief