milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on my credit report is a collection for EOS CCA XXXX XXXX XXXX XXXX XXXX 2012 {$1600.00}. first I have never received anything from the collection agency and did n't know anything about it until I pulled my credit report. 2. I sent a letter requesting they verify the debt and I still received nothing. 3. I called XXXX and asked them about it. They looked into it and said I did n't have an account with them. I already knew that because I had XXXX before switching to XXXX. 4. I 've have disputed it with the XXXX credit bureaus multiple times and it still shows on XXXX and maybe XXXX ( i have been unable to view it online ). I want it removed it have been more than the 30 days they have had to verify it. and its false information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of LVNV Funding ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/XXXX I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or aroundXX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/XXXX I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Money was not available when promised

Complaint: on XXXX/XXXX/XXXX i used Western Union on-line services to send my son, who is in college, some money to eat because his food card did not have any money until the XXXX of XXXX. I wired him {$20.00} at XXXX so he could have dinner. I received a wire transfer number and was told that the transaction was under review and could take up to XXXX hours. It 's XXXX and the money still is not available for my son. He missed dinner because he could n't get the money. 
I 've sent money before and have received the same message but the money has been available no later than XXXX minutes. 
I 'm paying for money in minutes and the past several times it has taken XXXX hours or more. 
When I called western union, I was told it could take up to XXXX hours. UNACCEPTABLE. 
it 's false advertising, bait and switch and taking advantage of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Citi bank keeps calling even thou I send a cease and deist letter to 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 non-monetary relief
Consumer complaint received 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both Transunion and XXXX do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months 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 09-08-2017 about Debt collection (Other debt) with Professional Credit Analysts of MN, Inc. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received electronic notification from credit monitoring service of new derogatory entrants to my credit reports. In all, 11 accounts reported to my XXXX, 5 to XXXX, 5 to XXXX. The accounts are for {$100.00} a piece, all share the same account number with each individual entrant listed as Acct # XXXX, XXXX, XXXX, etc. 

No communications were mailed to my address. Upon calling the debt collector listed, was told I better pay all outstanding balances immediately before " we XXXX XXXX your credit score even more. '' My credit scores have gone down over 60 points across the board. This collector is entering false information into reports first, then using it as blackmail to prevent further credit damage. I have zero accounts for any of the amounts listed.

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 10/22/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: Went to a Wells Fargo Branch to apply for a HELOC. The Loan Officer asked me some questions regarding the amount I owed on my home and how much I thought it was worth. I responded the best I could with XXXX amounts. The Loan Officer ( XXXX XXXX from the XXXX XXXX informed me that I would not qualify for a HELOC as my Loan to Value ratio was too high based on the estimates I provided ( Wells Fargo HELOC caps at 85 % LTV ). He quickly offered another product ( non-collateralized personal loan ) for which he did take a complete application. Ultimately I was declined based on my Credit Bureau score being out of range for the product. I subsequently went to another bank, where I made the exact same request for a HELOC. The Loan officer there immediately began the process of taking an application for the HELOC, which incidentally I was conditionally approved. I am not sure how Wells Fargo knew that I would n't qualify without taking an application for a HELOC, but decided to take the application for the personal line of credit. I did some investigation and found that under the Equal Credit Opportunity Act ( Regulation B ) that the answer I received from XXXX XXXX regarding a HELOC would constitute a Declination without an application. Additionally, moving me to the personal Line of credit without taking an application for the HELOC would constitute steering, which is prohibited. It is also my understanding that these actions would be a violation of the Federal Fair Housing Act ( Title XXXX of the Civil Rights act of 1968 ). I am an XXXX XXXX Female, and feel based on the actions presented that Wells Fargo is in violation of both ECOA and FHA based on discrimination based on race and gender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Unauthorized Inquiry on my credit report Clarity Services dated XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In 2014 I lost my 8 year job as a XXXX XXXX XXXX due to no longer being able to do the job because of XXXX. I also have a XXXX that also limits the types of jobs that I can do. In subsequently was found eligible for XXXX and XXXX is now my sole source of income. Since going on XXXX I can no longer make payments on my student loans and other debts and have had to file bankruptcy. I requested that both lenders ( Navient, and XXXX XXXX ) for my XXXX student loans consider discharging the debt because of the XXXX. Neither will do so, and both essentially state that there is no arrangements that they are willing to make. All XXXX loans were made for education at XXXX XXXX XXXX XXXX. As I understand it all XXXX loans are technically dischargeable in a Chapter XXXX bankruptcy because XXXX XXXX School of XXXX is not a Title IV institution, which means that the loans were not made for a " Qualified Education Expense ''. But apparently, according to my current bankruptcy attorney, they ca n't be discharged without an " Adversary Proceeding '' against both lenders which would essentially cost thousands of dollars, to discharge about {$110000.00} in debt. This is something that I do not have the money to do. As it is I am having to make payments to the Bankruptcy attorney just to do the chapter XXXX filing. Finally, in addition to the financial issues I have informed both lenders of the impending bankruptcy filing, and directed that they not call me regarding the debts and provided them with my attorney 's contact information. Despite this XXXX via their collection agency ( Concentrix ( not sure that is correct spelling of the company name ) ) keeps calling daily. I have repeatedly informed them of the bankruptcy and that they were instructed not to call and have even threatened complaints, yet they continually call. So I am writing the CFPB for assistance in XXXX areas. First, and foremost, I am requesting assistance in reaching a resolution with Navient and XXXX regarding my student loan debts. Second, I am requesting assistance in getting XXXX to stop calling. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: Ordered a Large BBQ sandwich for a total of $ XXXXPosted on my account as $ XXXXI specifically did not include a tipThe manager at the business " XXXX XXXX XXXX '' in XXXX , XXXXInsisted it must have been me, other XXXX reviews prove a pattern of theft and fraud. 
I was not the only one with an unauthorized transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In late XX/XX/2017 I applied for a Reverse Mortgage. Everything went smoothly, counseling, in-home Mortgage Review, etc., until the Appraiser took note of the power lines running beside my property. Photo Attached. They wanted a letter from XXXX XXXX XXXX XXXX of the lines stating they were safe and were not a danger. XXXX letter attached. 

I spoke with a different Lender and they provided the actual Underwriting verbiage that pertains to the lines. 

" If the dwelling or related property improvements are located within the XXXX area, the Mortgagee must obtain a certification from the appropriate utility company or local regulatory agency stating that the relationship between the improvements and Local Distribution Lines conforms to local standards and is safe. '' These transmission lines have been here for over 50 years and run thru densely populated areas. I am sure all of the homes were financed. 

After a long silence from the Lender I received a form letter stating insufficient collateral. Copy attached. My home is paid for? 

I have talked with Local, State, and Federal Utility Regulators and no one can understand the reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. The lender (   XXXX   XXXX   )  receives notice from  XXXX  Police Department that my vehicle is being held in the impound.  XXXX   XXXX   XXXX  )  2. T he lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if ...  ( e ) th e vehicle is seized by any local, state, or federal government or authority. ' ' (   XXXX   XXXX   ) 3.   R epossession agency  (   XXXX   XXXX , state license  XXXX   ) s ent letter to me notifying me of " my right to retrieve my personal effects or other property. ' ' (   XXXX   XXXX   ) 4.   Lender sent me " Notice After  Repossession. '' (   XXXX   XXXX   ) 5.  Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession.  '' (   XXXX   XXXX   ) Pulled cr edit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6.  Disputed the accuracy from my auto lender  (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us. (   XXXX   XXXX ,  XXXX  )  8. Inf ormed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( Proc edure in case of disputed accuracy ), and hung up while I was talk ing. (   XXXX   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 07-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: A. In XX/XX/XXXXBank of America & 4 other major American Banks agreed to the National Mortgage Settlement ( NMS ) with 49 state attorney generals & Department of Justice ( DOJ ) under XXXX XXXX, Bank of Americas contribution was {$17.00} Billion good thru XXXX, monitored by XXXX XXXX a XXXX lawyer, in exchange BofA formally agreed, admitted : # 1. They knowingly misled the government and public about the value of toxic mortgage securities and # 2. Cease their previous illegal foreclosure practices. This agreement provided true principal reduction relief to struggling homeowners with a fixed 2 % P & I mortgage interest in exchange BofA would receive a {$2.00} credit write off for every dollar forgiven of mortgage interest, property taxes & insurance. I had 3 properties with Countrywide/BofA in some stage of foreclosure at the time & chose to resolve only 2 of the 3 properties thru this excellent program so why did they leave the 3rd property ( this one ) hanging with no written offer or resolution? nevertheless my 3 property arrears forgiven on their accounting books thru the NMS agreement. <P/><P/>B. Around XX/XX/XXXX i started a mortgage modification with BofA assuming it was the 2 % P & I with forgiveness they had agreed to & were suppose to be applying instead process dragged on for 3 months with piles of personal financial information requested while knowing they were trying to transfer the servicing & were never going to complete mod instead transferred service to XXXX who approved a mod in XX/XX/XXXX that added {$110000.00} to my original principal balance of {$130000.00} for total of {$240000.00} on a home worth {$140000.00}. How does this modification help? what a joke on top of it XXXX established an escrow account without my consent while threatening to foreclose since i will NEVER sign their illegal predatory permanent modification in its current form. I do continue to make my mortgage payments however in hope this is corrected. <P/><P/>C. How is this fair to borrower? The current modification environment forces you eventually back into foreclosure if you sign the permanent modification, it does not resolve the problem but temporarily delays the situation.

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 07/29/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GU).
Issue: Managing the loan or lease

Complaint: I co-leased a vehicle on XXXX/XXXX/2015 with my husband who 's in the military ( 2015 GMC Acadia VIN # XXXX ). The dealership gave us false information about being able to ship a vehicle if given military XXXX. After 15 days of leasing the vehicle we received military XXXX and was able to return the vehicle and received a full refund from XXXX XXXX XXXX in the amount of {$1500.00}. We opened a case with GM financial ( Case # XXXX ) and was able to get the full refund due to the negligence, misleading information and law that Service Members Civil Relief Act outlines in Section 305. 
I called GMC Financial @ XXXX and was referred to the City of XXXX XXXX to get this resolved. I then called the City of XXXX XXXX Treasury office @ XXXX and was told they did not report anything to GM Financial as they do n't have me owing anything to them. I then called GM Financial back and ca n't get a hold of anyone. I 've left multiple messages for the GM Financial recovery department @ XXXX and have not received a call back. 
I now have XXXX reports on my credit report stating I 'm late on payments which has decreased my credit score. I am getting the runaround from GM Financial and no resolution has been given. I 'm currently XXXX and contacting GM Financial requires me to stay up late, as their hours of operation are during sleeping hours here. I need GM Financial to do their due diligence to ensure my credit report is cleared of any negative reports stating I 'm late on payments and comply with the Service Member Civil Relief Act which also covers dependents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Debt collection (Auto debt) with LENDMARK FINANCIAL SERVICES (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Lendmark is reporting that I owe  XXXX  for a loan. My collateral was a  XXXX  that my husband got in a divorce decree ... he took on that debt as well. I also filed bankruptcy in   XXXX   and this was included. I never owed  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (FL).
Issue: Taking out the loan or lease

Complaint: During my duties as a Vice President of XXXX, XXXX, a construction company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to Mercedes Benz Financial to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to Mercedes Benz Financial to remove any negative information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my mortgage co-OCWEN LOAN SERVICING did an escrow analysis of my mortgage then sent me a check for {$700.00} saying we had too much in escrow-Then in XXXX they paid my town taxes which put me in a negative escrow. Every month since then I have been and still am in a negative escrow balance. Numerous phone calls to them have not fixed the problem it has just gotten worse. Every time I call they tell me my mortgage payment will be a different amount The XXXX time they told me the problem would be fixed if I sent them a check for {$700.00} which I did on XX/XX/XXXX. Then they called and told me my mortgage payment would be raised from {$840.00} to {$920.00}. in XXXX. Then they called me again and said mortgage payment would drop to {$830.00} with {$190.00} of that going to escrow. I called them and said that was way wrong and was told they would do another analysis but am still waiting to hear back. ALL these people need to do is simple math -- -My town taxes are {$850.00} XXXX times a year which equals {$3400.00} so they need to escrow {$280.00} a month so that times XXXX equals {$850.00}. {$850.00} to pay the town taxes XXXX times a year will equal $ XXXX.I ca n't make then understand this. I need help getting them to fix this problem before it gets any worse. I think they are doing it on purpose to try and take my house away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TN).
Issue: Can't contact lender or servicer

Complaint: Ad astra recovery is listed on all   XXXX   of my credit reports as a collection account. Ive contacte d Ad Astra and as ked for them to provide documentation that validates the account and was told they ca n't provide me any paperwork. I proceeded to ask that the account is deleted and they refused to update my credit file.     Under the FC RA 15 U.S.C. [ 1681i ] all un verified accounts must be deleted from each credit report.

Company response to consumer: Closed with explanation