milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2015 about Mortgage (Conventional fixed mortgage) with CIT BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, Near the end of 2011, I fell behind on my mortgage payments because I separated from my husband and finances changed drastically. I immediately applied for a loan modification. I followed through, faxed the application and all necessary documents to One West. Kept in touch with them to make sure they had received them. But every time, there was something missing, or they did n't receive my documents, or the documents had expired because so much time had passed since the first time I had sent the first documents. I felt they were playing me because I knew they had received them. They waited for all that time to go to then tell me, my documents had expired. I have read many similar stories from other homeowners and this bank. I did everything they asked me to and they still took my home, our home. My children and I were devastated whenever they would post our door and finally when they took it from us. This bank had no intention in giving me a modification. We had more than enough time to get it done before the sheriff sale. Finally, just two weeks before the sale, they told me I qualified for the modification but it was too late because the sale date was too close. I could n't believe what I was hearing. This bank has to be punished for what they have been doing to homeowners. It is not like I ignored their phone calls or abandoned my home. I need to help and want to be compensated for my loss. They wanted to take my home because the way they would gain nothing by letting me keep. On the contrary, they would get paid from the FDIC because of the deal they had struck with them. 
The address of the house the took from me is XXXX XXXX XXXX, XXXX, PA XXXX. 
BorrowersXXXX XXXX XXXX XXXX and XXXX XXXX. 
I would appreciate if this agency does something those heartless people who only care about their pockets. I had no money to go to an attorney, otherwise, I would 've fought them till the end. 

Yours truly, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including Equifax, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN ( Equifax 's ) files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from EQUIFAX, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. EQUIFAX did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the accounts tells all of us, they have not maintained verifiable information in THEIR OWN ( Equifax 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT EQUIFAX DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX I will gladly HIRE A LAWYER as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Data Corporation (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for assistance with my utilities with XXXX XXXX XXXX and XXXX. XXXX made a payment to account number XXXX. XXXX check number XXXX dated XX/XX/XXXX. Another payment was made on the same account number using check number XXXX, in the amount of $ XXXX-XX/XX/XXXX. A payment was made to EPAY from XXXX XXXX XXXX account number XXXX, in the amount of {$360.00} date XX/XX/XXXX. All of my transactions was being manipulated by the XXXX Family. They 've stolen my identity. Social Security Card have been stolen, my drivers license have been stolen. All my former employers have been changed with all three credit agencies. My last employer from XX/XX/XXXX-XX/XX/XXXXis XXXX XXXX XXXX XXXX . Their ein number is XXXX. IRS can verify my employment with the company. Social Security can verify my employment. My social security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about 10 years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX  adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with two different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with Turning Point Solutions LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 at XXXX, I received an call marked as unknown on my cell phone from a woman named XXXX that I had to call her back at XXXX ext. XXXX by XXXX that night regarding the account I have with them. First, this is Advance Capitol Solutions which is a debt collection company that I have NO relationship with. This company needs to stop contacting me immediately and I am filing a compliant with every organization I can to get this illegal company shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Credit card () with REGIONS FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I contacted XXXX because they seem to offered great services are used their their fuel card a couple of times am I stopped using it because every time I will have to make a payment job and I was having trouble logging into my account. I was obligated to call and make a payment over the phone him with an expensive flat fee of {$15.00} for credit card processing over the phone so pretty much does the catch the lower your fees I want to fuel your gas tank for your trucks but then they charge you a {$15.00} fee to pay over the phone because every time I try to log into my account I would always never able to login. The XXXX month I decided to use it again no I would give it a second chance am I tried to login again to make a payment it was unsuccessful I made several calls about I was on hold for over XXXX minutes waiting for instructions to reset my password and be able to log into my account I was not able to login after following their instructions for several times and several times am I was ready frustrated I told him to please waive my fee that I will pay it over the phone. The XXXX month after being frustrated of nerve being able to log into my account after speaking to several of the agents and following their instructions step-by-step to reset my password I was not able to login I decided to cancel my account on not use the card anymore so I called her you asked to speak to a manager they passed me on the phone with the manager I explaining the situation he attempted to reset my password again unsuccessfully so I decided to Pay off my card balance and have my account close because I believe I was n't going to be using it no more I found it useful and from time-consuming for me he said are the total balance I paid it over the phone and he said my account was going to be closed.he was kind of rude I believe because he did n't want me to cancel their services but he was n't in the best mood now the next month I received a bill which I do n't understand why if I paid off my account I 'm on top of that they had added a {$80.00} fee for late charges him that I do n't understand why and since then I have n't paid them I 've been trying to fight with them and not I 'm not getting anywhere and every month they keep adding a late charge of {$80.00} I just I would 've never signed up to this account if I would 've known they were going to charge me fees on top of fees. And now this is beginning to affect my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX and American Medical Collection Agency has sent me multiple invoices/ bills that are not mine, are for services provided to a patient with a different name, who does not reside at my address or receive mail at my address, nor do I know the whereabouts or have contact information of said person. I 've not agreed to any services provided by XXXX and therefore am not responsible in any way for bills of said services. The bills have been sent to collection agencies multiple times. I 've contacted both the original creditor, XXXX XXXX as well as the collection agency American Medical Collection Agency to resolve the issue and request that I not be billed for services not provided to me and that I 've not agreed to pay. 

The bills continue to be billed in my name on a regular basis and continue to be reported to collections in my name. I continue to dispute the bills yet there is always another bill to dispute. This never ending cycle is frustrating as well as costs me time and money to continue to dispute on a regular basis. 

I ask that my information be removed from said patient records or files for billing purposes as I am not in any way liable for said bills. 

A written notice was sent to American Medical Collection Agency, pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec XXXX ( b ) on XXXX XXXX, XXXX, XXXX XXXX, XXXX and another today, XXXX XXXX, XXXX to dispute said collections and ask they correct their records. I continue to receive the collection bills, with nothing changed. 

I 've attempted multipule times to contact XXXX XXXX directly to resolve the issue via phone at the XXXX Customer Service phone number listed on their bills. I 've not been successful in reaching a person to correct this issue, I get an automated system with no human who can or will help to correct. 

I 've mailed letters to each address listed on the XXXX XXXX bill, explaining that this is not my bill and that the patient receiving said services does not reside at my address, does not receive mail at my address and that I do not have information on the whereabouts or contact method of said person. 

I ask that I stop being billed by XXXX XXXX and that XXXX XXXX XXXX attempting to collect via a collection agency, unless they have proof that I am in anyway responsible for such charges and forward such information to me, which of neither has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Late fee

Complaint: Capital One has continuously charged me late fees for missed payment days that fall on XXXX. As an observer of the XXXX XXXX, I do not engage in financial transactions on XXXX. Capital One again recently charged me a late fee for missing a payment this past XXXX, XXXX/XXXX/2014. I have called in many times complaining about this problem, and they have done nothing. I believe this practice is XXXX and I should not have to make my payment early because they will not honor my XXXX. In addition, I have requested credit increases multiple times, as my credit limit is only {$300.00}. Capital One has not responded to XXXX of my requests. On the last request made, I was denied because Capital One claims they can not access my credit report because there is a security freeze on it. I contacted XXXX, XXXX XXXX, and XXXX. There is no such freeze on my reports and there has not been since I have been in possession of this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NY).
Issue: Struggling to pay mortgage

Complaint: I am contacting the CFPB as I have tried dealing with my mortgage servicing company, Roundpoint Mortgage Servicing for over a month now to get the permanent modification agreement issued. I had completed the three trial payments X/X/17, X/X/17 & X/X/17. I was told by Roundpoint that there are ECB violations reporting on the title report that must be cleared before the permanent modification is issued. After I went to the ECB ( Environmental Control Board ) and obtained proof there is no and had never been any ECB violations on this property and I faxed the proof to Roundpoint. I was then told that the ECB lien is coming up on a different property but the same name as mine so this needs to be satisfied. I submitted proof this is not my property and never has been. They are insisting this must be satisfied anyways. I called the ECB again and they advised that this situation should not be. All New York title reports pull ECB violations which come up with the same name but if the property is not the subject premises, it is not my responsibility if I do not own the property which I do not and have proved I do not own. I have taken off two days of work to obtain the nonsense documents Roundpoint is requiring to be in the same place where they are requiring this to be satisfied. I understand Roundpoint is not located in New York so they may not be aware of how the ECB violations work but they are refusing to confirm this. I even called three New York title companies and also verified I would not be responsible to satisfy

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 09/25/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (WV).
Issue: Problems when you are unable to pay

Complaint: Toyota Financial Services had my vehicle repossessed for XXXX in arrears. I offered to pay back balance plus towing expenses before it left my driveway and they said no. They insisted that I pay off the balance of the vehicle at a XXXX. I said I was interested in keeping the vehicle and protecting my credit and they stated they would only let me pay off the vehicle. I again offered that I could pay past due amount and towing to stop repossession and they refused and took my car. Now they said I would have to pay XXXX, towing fee and transfer fee as they are moving to an out of state towing area to have it auctioned off. So I asked if I could pay for it when could I get it back they said I had to wait seven days. I said you just told me you were moving out of state to be auctioned XXXX but I have to wait XXXX and incur extra charges because you move it. They said yes ... I 'm not sure what my options are, please help. This happened XXXX other time and the amount was XXXX plus I paid it immediately and stopped any issues. When I offered this time and the amount is actually less they declined and said they were taking the car and my only option is to pay it off. This is my sons car and as a government employee who may be furloughed I 'm trying to save my credit and my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report this incorrect information from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The refuse to block the fraudulent information. I am again sending an updated police report and would like the information blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted First Advantage regarding an Alias they reported I used and have a criminal record under. They repeatedly deny having issued a report or claim to have no access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed my account with XXXX, received permission to return equipment, I have copies of return receipt and that they also received the equipment. I am paid in full to that account and no longer owe, but XXXX has turned it over to a debt collector demanding {$140.00}.

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 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An item that was removed last year XX/XX/2016 has been reinserted and I did not receive documentation as to why.

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 03/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit card protection / Debt protection

Complaint: In XXXX XXXX XXXX and loans charged my American Express account {$450.00} without my approval they got my credit card information because I was trying to refinance my mortgage. I was going through another company called first rate mortgage who gave them my credit card information and told them to charge my card. I sent American Express the details but they kept taking quick and loan word over mine. You can check my credit report and see I pay my bills but I refuse to pay for charges I did not approve so I closed all my American Express accounts. Since than XXXX XXXX Mortgage went out of business I was approved for their loan but I cancelled it and went to another company for my mortgage. The report says American charged off {$670.00} in XXXX XXXX this was the charge {$450.00} that I disputed like 6 times and each time after about 3 months they kept putting it back on my card so i told them I was tired of dealing with them so do what you want I was not paying for something I did not charge to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with the. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit.

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