milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Debt collection (I do not know) with Conn's, Inc. (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Open account with CONNS CREDIT CORPS on XXXX XXXX XXXX XXXX XXXX XXXX. I return merchandise back to store at XXXX XXXX Mississippi store I have a invoice where I return it they have reported me to XXXX for a total of XXXX I have received about XXXX calls from them I have screenshot the phone calls before XXXX I have faxed over the invoice where I took merchandise back I agree to pay restocking fee of XXXX dollars I have call them maybe XXXX times and they give me run around they should not have reported to credit agency for the amount above I had talk to several of their employees they said they would take it off but have not they have called me so many times i faxed them copy of invoice like they ask me 3 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with We Collect Inc (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector has been harassing me with multiple phone calls. Even went the extreme to start calling me on a 2nd phone number. I was interrupted at my work place over and over again. 

The most recent form of harassment was at my personal residence. A person ( not authorized ) or allowed in my secure resident building got into the building with out being buzzed in by me ( personally ) I am the only one that can buzz a person into my building with my cell phone. Apparently a person came to my condo door during the work day and knocked on my condo 's front door. The person tried to had off papers to a friend and that person said I will not accept any paperwork for my friend. Later, I found paperwork on my doorstep. The paperwork was not in an envelope. The person left small claims paperwork on my doorstep, open for any resident to read. This is an invasion of my privacy and I did not authorize a person ( s ) from Atlas to enter my building residence at XXXX XXXX XXXX XXXX. XXXX OR. XXXX ( XXXX XXXX ) I will say again my building is secure ( no doorman ) but we have locks on all doors including the garage doors and entrance through the garage into the lobby. No one is to tress pass or enter the building with out the resident letting a person ( s ) into this building. 

I believe the paperwork left at my door step is a form of harassment friend and to myself and I would like to file an official complaint against Atlas Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX. I am an XXXX military XXXX. In XX/XX/XXXX, while I was stationed at XXXX XXXX XXXX XXXX, XXXX, XXXX, I purchased my first home in my career. It was financed by Country Wide Home Loan, which was later taken over by Bank of America. Everything was going fine and I had no issues with monthly mortgages until I was notified I will be reassigned to Overseas military base in XXXX in XX/XX/XXXX. I was n't expecting to move so quickly after I purchased my first home, but military needed a person who spoke Fluent XXXX Language at XXXX XXXX XXXX, and I was selected to go. I tried for 6 months to sell the house, but could n't find a buyer. I was willing to take $ XXXX loss, but still did n't get any offer. As soon as I arrived in XXXX, I lost my XXXX allowance because I had to live on base housing. Since I no longer was receiving monthly housing allowance, I asked Country wide and Bank of America to refinance my loan. I just could n't pay {$2300.00} monthly mortgages when XXXX allowance was stopped and requested Country Wideif I could pay {$1500.00} dollars monthly instead. My offer was rejected. Within 20 months my house was foreclosed XX/XX/XXXX. My questions to CFPB is : Are there military clauses which should have protected me when reassigned to XXXX military installations. Also is there any way to verify Country Wide and Bank of America Foreclosed my home properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted XXXX, XXXX and experian on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.

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 08/14/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a phone call at XXXX on Monday, XX/XX/XXXX from a debt collector ( Capital Accounts ) regarding a delinquent bill from my XXXX going back to XX/XX/XXXX. The original bill from the XXXX was {$400.00}. The debt collector told me that if I did not pay the bill immediately, he would charge me 16 % interest on the debt going back to XX/XX/XXXX. I was also told that if I did not pay the bill immediately, my credit score would be harmed. All of this seemed like a threat to pressure me into paying and I wanted to know if they could do what they claimed. I had received a bill from this debt collection agency on XX/XX/XXXX. I asked the man on the phone to hold while I look for the bill he had already sent me. At that point, he became irritated and told me he did not have the time to wait. I found the bill and began to question it. I determined that I would not get a clear response from the representative and terminated the phone call. I then called the number on the bill at XXXX and reached his supervisor. I asked the supervisor about the 16 % interest. He told me that I was already being charged the interest and that what his representative told me about the back charges of 16 % interest was incorrect. When I pressed him about the misleading nature of his representative 's claims, he responded to the effect that some " re-training '' might be necessary. I protested that it was unfair for them to mislead me. I can not recollect the precise exchange that followed, but I told the supervisor that I would look into this matter to see if they were allowed to mislead me. He asked for my email address, which I refused to give him. He asked that I confirm my address, which he did. I thanked him and terminated the call. Unfortunately, I do not have a record of the phone conversation, but the supervisor told me that they record all calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Trying to get a payment history to see if payments have been properly applied to account. Representative has stated company does not send out that type of report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Last ReportedXX/XX/XXXX XXXX XX/XX/XXXXCollection AgencyXXXX XXXXOriginal CreditorXXXX XXXX NEVADA XXXX XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXClosed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectionXXXX has sent me correspondence offering me to pay XXXX but i wont becausethe highest credit line i had with them was XXXX and my last bill was not that muchalso wasted my time i wanted higher limit and after 6 months would not do soi had to pay to enroll credit card and pay yearly feesi would offer to pay in installments past due amount before all these crazy fees minus enrollment fees and yearly fees due to not honoring the credit limit increase waste of time in trying to build credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Bank of America from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX, XXXX stating that they " were unable to approve my recent request to reopen '' my account, citing " too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of " late '' payments citing a report received from them.

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 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We obtained oven repairs from XXXX. The repairman quoted us a price that included a 20 % discount on the service that resulted from the purchase of a service contract. We paid for the parts on the original visit. When the parts came in a service man came out and finished the install. At that time the service man was unable to figure out why the discount was n't applying and took the check for the balance on the account based on our original receipt. I contacted XXXX many times over the next several months and in XX/XX/XXXX spoke with a representative that understood that the twenty percent discount had not been applied. He informed me that he would send over a letter to the collection department so that they would n't continue to bill us. I continued to receive bills and have mailed back all the receipts and information. XXXX home service had no contact information to resolve the billing dispute other than a mailing address to which i sent all information regarding the matter without getting verification of resolution.

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 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a collection on my Experian Credit report from XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX from XX/XX/XXXX. This account appeared on my credit report in XX/XX/XXXX. I disputed it and it came back verified. So I called the company and spoke with someone named XXXX, I explained to her that I never had Progressive Auto before, she checked my file and stated her self that they did n't even have my date of birth on file, she then stated she was going to get in touch with Progressive and send me what they have on file for me. I received XXXX because there was nothing to send. I called EXPERIAN AND I asked them how are they verifying the information without any proof. They told me that they only send the dispute off and the collection agency either verifies or update, so I basically asked her so they are n't sending any proof just hitting verify and you all do not bother for them to send any proof. That is NOT how the FCRA works. Both companies are not following the guidelines of the FCRA. This account is not mines, no one is submitting proof, I do n't have a letter or anything and they just slapped it on my credit report. I am being going in circles trying to get this taken care of. EXPERIAN does n't care and XXXX just threw something on my credit report with validating or verifying or did not send me anything in the mail, and XXXX admitted not having my date of birth on file. Please help me in 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 non-monetary relief
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to open an account with XXXX and I was told that I alredy have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been XXXX XXXX XXXX since XX/XX/XXXX, I know it is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,  2017  I asked Nationstar Mortgage to terminate PMI on our mortgage since we reached the 80 %  LTV (  {$380000.00} appraised value - $ {$300000.00} mortgage balance ). A new appraisal had been completed confirming that multiple upgrades had been completed after we had purchased our home which increased the value. I spoke to the PMI department including a supervisor and was denied verbally because the investor rules were 75  % LTV  from the original home value for PMI to be terminated. After a lengthy discussion on the Affordable Housing Act and the CFPB, I was finally given an email address to send an appeal for the denial to be reviewed. The first email address I was given did not  work (  XXXX  )  and I had to call a  2nd ti me to get another email address that worked. I sent the email requesting the appeal with a copy of the appraisal, CFPB 's  XXXX  bulletin, and a request PMI be terminated. This all occurred on the same day  XXXX   XXXX . I had not received a response so I called today,  XXXX   XXXX ,  2017  to inquire about our appeal to the PMI department and was told that our appeal had been denied. I asked why I had n't received anything in writing and was told they mail denials in bulk and my letter has not been mailed yet.  XXXX , my PMI agent today, said he was able to get a copy of the letter and will mail the letter today. After explaining that I will be filing a complaint with the CFPB,  XXXX  asked if I wanted to speak to a supervisor but told him no since it did n't work the last time I spoke to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with NCB MANAGEMENT SERVICES INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Original Creditor ( XXXX XXXX  ) charged off and closed account then sold it to another company ( NCB Managment ). The other company has filed a collection and is reporting on my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a fraudulent account on my credit report, the FEDERAL TAXES/ IRS have already satisfied this negative remark on my acct as being paid off, please remove this, also a STATE TAX LIEN should n't be on my report, another fraudulent activity on my credit report.

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 05/18/2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Credit line increase/decrease

Complaint: I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax incorrectly lists an account closed ( circa 2007 ) as active ( XXXX XXXX ). 

When I followed its instructions to dispute incorrect information, the site tells me : " Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute. 

Thank you for your patience! ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed a cyber security breach that enabled access to 100 % of my personal information and exposed me to the threat of identity theft both now, and at any point in the future. I 'm one of 140 million vulnerable citizens and I demand justice!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debit Recovery Solutions, LLC keep sending me letters, saying I owe them money for ( XXXX ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!

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 10/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I keep getting monthly mortgage statements from Nationstar Mortgage for a loan I have no idea about. I called Nationstar Mortgage to get a copy of the note and they told me that they can not give me any information.

Company response to consumer: Closed
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a statement from Wells Fargo informing me that " Your WELLS FARGO XXXXXXXX XXXX account with XXXX XXXX XXXX XXXX XXXX has been sold to XXXX XXXX XXXX XXXX... '' It speaks of amendments to my credit card agreement, but I never applied for this credit card or any credit card from Wells Fargo.

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