milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Diversified Consultants have acquired a debt that belonged to a company, which I currently have XXXX lawsuits against, XXXX XXXX XXXX for a very similar matter. 

XXXX of the many problems that I have with the handling by Diversified is that they have re-reported a debt onto my XXXX Credit Report that XXXX XXXX XXXX has removed. Furthermore, I have been advised by counsel that Diversified has violated the TCPA, FDCPA, and the FCRA. 

Furthermore, Diversified Consultant contacted me for the first time by phone XXXX/XXXX/2015. I told the rep to kindly contact me by mail only as he was calling me at work. 

XXXX/XXXX/2015 Diversified Consultants called again, I kindly told them AGAIN to not contact me by phone because I was at work and to please correspond by mail only. When I asked the gentleman to please mail me, he said with an attitude " well do n't you want to know what this is about '' and continued ... until I cut him off and said once again please contact me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: CLIENT CAME INTO THE OFFICE TODAY FOR DEFAULT COUNSELING. RFD- CLIENT WAS GIVEN A LOAN MODIFCATION IN XXXX 2014 PITI OF $ XXXXXXXXAND TAXES & INS OF {$710.00} FOR A MONTHLY PAYMENT OF {$1300.00}. CLIENT BEGAN MAKING PAYMENTS AND AFTER AN ECROW ANALYSIS HIS MONTHLY PAYMENT WAS INCREASED TO {$1600.00}, WHICH HE CAN NOT AFFORD. 
CLIENT ATTEMPTED TO CONTINUE TO MAKE THE {$1300.00} AND HIS PAYMENTS HAVE SINCE BEEN REFUSED. I CALLED PHH AND SPOKE TO A REPRESENTATIVE NAMED XXXX SHE ADVISED THAT CLIENT IS DUE FOR XXXXPAYMENTS. THE LOAN MOD AGREEMENT IN 2014 ONLY SHOWS THE PITI OF {$590.00} NOT THE TAXES AND INSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at 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 06/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I had fraudulent information that was disputed on  my Amex Serve card and they refused to refund me back my money last year along with refusing me to  continue being an American Express Serve card member which is a prepaid debit card which is ridiculous considering I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit monitoring subscription notified me that Midwest Recovery Systems had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from Midwest Recovery Systems nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX He informed me that on XX/XX/XXXX, I had taken a loan from a company called XXXX in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of XXXX. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

Midwest Recovery Systems is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started a year of XXXX through XXXX XXXX in XXXX of 2015. Through this, my loans were supposed to be in deferment, but this did not happen until many months after I had submitted the proper forms. Now, my credit score has been lowered to an unmanageable point that 's affecting my ability to get loans, adequate housing, and financial stability. The Nelnet collections say that I was receiving negative marks on my credit because of non-payment, but as a member of XXXX this should n't be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home loan with Bank of America Loan # XXXX. I have been unemployed since XXXX XXXX, XXXX and on XXXX XXXX, XXXX fell behind on my payments. I contacted Bank of America in the XX/XX/XXXX to let them know that I may fall behind in the near future and was n't sure I would be able to pay for XXXX. I had contacted HOPE and based on the information I gave them the counselor said that I qualified for an unemployment forbearance. When I spoke to Bank of America the account manager I spoke with said " we can not help you because you do not have income coming in. I will send you a loan modification packet because we by law have to send it. '' I filled the paperwork out but they have been dragging their feet and not giving me an answer when they already said they could n't help me. I feel they are stalling so that my house will go into foreclosure so that they will have to do a short sale of the property. I am in the process of putting my house on the market because I feel that Bank of America is not willing to work with me on programs I may qualify for. I feel they are purposely stalling the process when they are going to deny me help anyway so that they can profit from this. I only have {$3100.00} to my very name and need money to survive until I can find employment. They are fully aware of my situation and finances due to the modification paperwork I filled out and even though they know how desperate my financial situation is, they are refusing to look out my best interest because they are a business and looking out for themselves. I would like to be able to make a profit from my home in order to stay afloat. Bank of America truly needs to work with homeowners who especially want to remain in their homes and who like me have NEVER missed or been late on a payment. I would like for them to stop the deceptive practices and value their customers more instead of always looking out for themselves. I personally want them to understand and work with me to gain a profit due to my situation. We make their business and I have informed them that I am going to get on social media and let everyone know what type of bank they are and that they care nothing about customers but their bottom line. 
Sincerely, 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 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original collection agency XXXX XXXX XXXX , XXXX has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and Resurgent Capital Services XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( Resurgent ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, XXXX. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to Resurgent. After over 35 days and no response from either XXXX or Resurgent, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to XXXX ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to Resurgent on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, XXXX XXXX had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by XXXX XXXX on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to XXXX XXXX on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by XXXX XXXX on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by XXXX XXXX. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (MN).
Issue: Problem with customer service

Complaint: Due to identity theft I had to lock my credit at all three major credit reporting companies. Equifax charges {$5.00} to lock your account and an additional {$5.00} to unlock it every time you want to allow someone accesses to your credit.     Their poorly designed web page charged me 4 times. It is nearly impossible to get a phone number with a human but when I did they had me follow a cumbersome refund process designed to frustrate consumers and give up. They admitted they had a record of the charges but still refused to issue the refund unless I went through the process.     This could have been avoided if there are no fees. There should not be a fee to unlock your credit. Locking your credit is a good way to protect against fraud. Different states have different rules regarding these fees and the federal government should step in to have a uniform no fee system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have written this collections company by certified mail asking them to validate the four accounts that they are reporting on my credit reports. I have not receive anything from them about this alleged debt. Also with further investigation I found that they are not licensed to do business of debt collections is the state of Florida. They are reporting to the credit bureaus that I allegedly owe XXXX, XXXX, XXXX, and XXXX. It has been well over 60 days and I have n't heard or received anything back from this company. I would like for them to immediately remove this items from my credit reports since they DO NOT have license to do business in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In a chat conversation with  XXXX  who requested to do  a credit-check  ... I said yes to a soft-inquiry, and very clearly stated NO to a hard-inquiry.  XXXX  performed a hard-inquiry without my permission. Attached is the online chat session with specific instructions to  XXXX  NOT to perform a hard-inquiry. I want this hard-inquiry removed from all credit-bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo put me on the hotlist because the person who stole my identity opened an account with my identification information and a different social security number to compromise and imbezzle funds from our company. When I found out I was applying for a business account. I filed an identity theft complaint and someone was supposed to get back to me yet I have still have not received a phone call

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 05-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank enrolled my account into their rewards program ( {$50.00} annual fee ) without my permission or consent. Is n't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Midland funding llc is continuing to report a debt from XXXX XXXX that was fraudulent and they are also reporting false information to the credit bureaus by showing a XX/XX/2014 collection date, which is not the original date the card went into default from the fraudulent activity.By doing this they are in violation of the FCRA and FDCA and other numerous state and federal laws that prohibit these collection tactics by re aging a date or showing the wrong dates to make it look for negative and impactful toward a consumers credit score.This has caused numerous issues with me getting turned down and higher interest rates from other creditors, I have had numerous lawyers attempt for to act against debt collecting company as this one for these violations of the FCRA XXXX FDCA and TPA as well that I had a problem in the begining, I had decided not to do so hoping the company would comply, since I able to sue for damages per violations and monetary damages as well, Which is not what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They kept calling my cell, my parents house, my old work that I had left from 3 years ago. Claiming they were sent from Kay jewelers to collect on an old debt and that if I did n't they would sue. I have no job so I figured I would go to jail. So we set up payments. But I used my husbands card. We 're struggling as it is. But I figured not having me around would make life way harder. They said I would receive something. In the mail. I never did. I called back but never got in touch with original person and the message greeting just says " law office please leave a message '' that does not sound right. I believe they were a fake. They manipulated me and made me fear and harassed me and my family until I believed them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 10/17/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure Sale date  is XX/XX/XXXX XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is America 's Wholesale Lender and they are a fictitious lender that was used by Countrywide Home Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.

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 03/29/2017 about Mortgage (Other mortgage) with Credit Plus Inc (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX - via credit plus made an unauthorized credit inquiry to my XXXX credit file

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Golden State Collections LLC (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am being  XXXX  hit on my credit report from this account - State Collections and also the judgement/ I called State collections and talked to    XXXX   XXXX   on   XXXX   17   @  XXXX  and she said " We only collect the payment and the judgement is a different thing and that it wont only come off or only be seen by one hit unless its paid in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making my mortgage payments each and every month on time, and have even put in an extra {$100.00} each month towards the principle. I started making my payments in XXXX of 2014. I found errors on their invoices about the due dates that was two months ahead. I let the lender know that this error was on their invoices. About six months ago, the lender sent me a letter stating that I had missed a payment, but after going through with their dispute department, they realized that were wrong and that I had made all of my payments on time which they said they had corrected. But after looking at my future invoices I realized that my principle balance had n't gone down between my payments. The lender has gone back and un-applied some payments and reapplied them back again, but are wrong in their calculations and have caused me to be short on my escrow which has raised my monthly by almost a hundred dollars a month. We are in dispute right now and my original lender has been trying to work on my behalf to correct these errors to no avail, even though my original lender sees the errors, but has been unable to explain to me why this is so. I have just received another letter from this lender saying that they were transferring my loan to another company, I believe this company knows that they are at fault for these errors but some reason, they are unwilling to correct them and passed the loan off the someone else.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I, our mortgage is owned by XXXX XXXX. The Specialized Loan Servicing company collects the mortgage payments. We have tried multiple ways to get them to post our mortgage payments correctly, but invariably, when I go into the account, they have failed to do so. Further, the agent I spoke to on XXXX/XXXX/2016 told me that my account had an annotation stating to post the mortgage first and any extra money to the principle second. But they failed again. Now they are asking us to pay the mortgage payment and the late fee for money that is already posted in the account. Why do consumers have to put up with this kind of incompetence - I am going to try and resolve this, but these people are crooks. And based on what I see in their account posting practices, and I might also mention many people on the internet who are having the same issue, have created a very convenient revenue stream for themselves at the expense of the consumer. Please look into these people!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX reports my Equifax score as XXXX. A lending institution pulled my credit score from Equifax and it came back XXXX. XXXX XXXX told me that different institutions use different models to arrive at a score. Equifax does n't have a means for me to ask them about it. This difference is causing me problems. An explanation or resolution would be helpful.

Company response to consumer: Closed with explanation