milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company posted a debt to my credit report that is not correct and should not have been reported. I disputed the debt and they still chose to post to my report. No phone call or nothing. By law I have the right to dispute a debt. 
I never lived in the apartments they claim I owe money too.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen. 

At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other fee

Complaint: My name is XXXX XXXX, I live in XXXX, Florida. I opened a credit card with Zales jewelry in XXXX. I was offered a 0 % rate so I took advantage of it. I received the first statement all was fine, no fees. Today I get home and I received a letter - dated XXXX/XXXX/2015!! Today!! - from the insurance department of Zales Corporation " congratulating '' me for enrolling in their balance protection insurance. So I checked my statement from this month and indeed there was now a {$2.00} fee, of course unspecified. 
I called the insurance department and they are closed of course. So I called the Zales card and they confirmed the insurance fee and that " the representative at the store probably did it without telling me and I apologize ''. This is unacceptable on so many different levels that I can not begin to list them all. 
I will call the insurance department tomorrow to get this absurd abuse cancelled and refunded, but this must be stopped at a higher level and hopefully you can do more than I can about this matter. 
You can email me at XXXXXXXXXXXX if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have signed the auction agreement with the lender and they promised the will help to short sale. However, it look like they just want to foreclose my house. I have been complying with their request. The lender forced me to sign all the letter and agreement to list the house with XXXX to avoid foreclosure but end of nobody auctioned the house with their ridiculos price. Then they came back and said the current buyer must counter with higher number. But they cant and lender told us they will foreclose our house. It look like they never respect what they request and help consumer. They discriminated my hardship and being ridiculous on selling price

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Advertising and marketing

Complaint: Applied for Citi Diamond Preferred Credit Card. Got approved. 
Was surprised to see being assigned the highest APR possible, because my credit is excellent ( XXXX, XXXX, normal range is XXXX -XXXX ). Called Citi to inquire why the highest APR was allocated?. Also, inquired what was the formula and what credit score was required to get the lowest APR. XXXX nor supervisor could answer. Indicated there is nobody in the whole company that knows how APR is calculated. 

This is both false and deceptive, because Citi represents that the APR is based on your credit scores. However, they are - either uniformly assigning highest APR regardless of your credit score OR using discriminatory ( racial, nationality, sex, etc. ) criteria to assign highest APR 's to certain groups regardless of credit scores.

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 06/30/2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my home with XXXX XXXX XXXX Bank. Myold financial institution is Freedom Mortgage. During the process, mycounty received a payment for property taxes for the XXXX installmentdue this year between XXXX 2015 and XXXX 2015 from both institutions. 
The county stated that the payment from XXXX XXXX XXXX Bankwas received first. So because of this, the county stated on the phonethat they were sending the other payment back. Freedom mortgage usesa third party, XXXX, to take ownership of mortgage responsibilities. Ihave called XXXX almost every week since XXXX 2015 to get myamount of property tax payment refunded to me. They have stated thatthey have been waiting for the county to send it back to them so they cansend it to me. XXXX has already established it is owed to me. Ispoke to XXXX, ID # XXXX, a supervisor from XXXX in customercustomer service in mid XXXX 2015 with a representative from thecounty, XXXX, on the phone. She witnessed them tell me that the countyhas already sent the amount of {$1400.00} approximately back toXXXX. As of XXXX XXXX, 2015, XXXX claims that they still have notreceived it and that they would forward the concern. I have constantlycalled them for my refund and they continue to promise that some onefrom XXXX XXXX would get back to me about this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo refuses to release funds in our account or tell us why it wo n't release funds. 
My husband and I are the successor trustees on a trust account. We opened this account in the XXXX of 2015. At the time we provided Wells Fargo a legal opinion from a lawyer and XXXX written statements from licensed physicians that the original trustee was incompetent. We also provided the pages from the trust naming us successor trustees in such an event. Wells Fargo opened the account and accepted the funds deposited into it. On XXXX XXXX, 2015, Wells Fargo wrote us a letter saying it was closing the account and would mail us a cashier 's check for the balance on XXXX/XXXX/15. It never mailed us the cashier 's check, and it has refused to release the funds or tell us why it wo n't release the funds. The balance which Wells Fargo refuses to release is {$10000.00}. When the promised cashier 's check did not arrive, I went to the bank in XXXX to ask for it. Wells Fargo told me there was a " debit hold '' on it, but it would not tell me any more information. My husband and I then made an appointment to speak with a Wells Fargo banker about this on XXXX XXXX, 2015. Wells Fargo confirmed this appointment by e-mail and telephone, but then no banker would meet with us. After thirty minutes we went to a teller window and demanded to see a banker. A banker finally met with us, and we presented identification and demanded a cashier 's check. The banker said the was a " debit hold '', and we demanded to know the reason for it. The banker asked us to wait while she investigated it. We left after an additional forty minutes and demanded she telephone us with the reason why Wells Fargo would not release the funds. She did telephone later that day to say she was still investigating and it might take until the next week. On XXXX XXXX, 2015, this banker asked us to provide the Trust title page, execution page, and pages naming the trustee and successor trustees. Even though we provided all of this when we opened the account, we had our lawyer provide the requested information to the banker. Now, one week later, without any request by Wells Fargo for any more information, Wells Fargo continues to refuse to release the funds and it refuses to say why it wo n't release the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: i disputed a charge with  XXXX   XXXX    XXXX   in  XXXX  .i re ceived a call on  XXXX / XXXX /  XXXX   at  XXXX  am from someone who only identified himself as an  investigator  who was going to be serving me with a summons.when i told him to go ahead and serve the summons he said you are going to get  XXXX  in the  XXXX  with an american flag.i  hung  up the phone and blocked the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I received a call from XXXX XXXX of Ability Recovery Services LLC about a possible debt. She sent me a bill for the amount of {$400.00} and a letter notifying me I could dispute the charges. On XXXX XXXX, 2015 I replied to XXXX with fact information regarding the account in questions claims that I had paid for the services rendered. 

A few weeks later I received another call from XXXX that she could not validate the account. She also claimed that 'Store It All ' whom claims this debt was to submit her contract information which I had asked her to send me when she received it. 

On XXXX XXXX, 2015 while trying to refinance my home it was brought to my attention that Ability Recovery Services reported this so called debt to the credit bureaus without validating the debt. 

On the evening of XXXX XXXX I tried getting in touch with XXXX but spoke with a XXXX XXXX of Ability Recovery Services whom was verbally aggressive and refused to validate the debt and demand I just pay this debt. I will not tolerate this abusive behavior from any business. I strongly believe Ability Recovery Services is in violation of the FDCPA and needs to be investigated. 

On XXXX XXXX, 2015 XXXX XXXX from ARS LLC returned a call I made and made me aware she has take over this debt and XXXX is no longer there. XXXX also gave me a hard time about validating the debt and I advised her of violating the FDCPA. I explained to her she legally has to provide proof of validation. She told me " that it will remain on my credit report and I have to pay the debt '' and then she hung up on me like everyone else there when I strongly ask for debt validation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union has reported that they were able to verify a debt XXXX XXXX reported on my credit report. I have requested debt validation by mail and also by a request by the Consumer Financial Protection Bureau and have not received any response from XXXX, which violates my rights. How is it they repond to your company within 30 days and no one else. 

I would like Trans Union to explain in detail the information they received from XXXX to prove the debt they are verifying. How is it that they received documents and not me? How is it XXXX responds to them and not the federal government. Please give details of dates and departments that responded on behalf of XXXX to Trans Unions. There is also no phone number listed for the XXXX account. Please give me the phone number

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 08/17/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX 2007 I applied for a personal loan at my bank Bank of America here in XXXX XXXX, Fl, the load was for a XXXX XXXX XXXX that was for sale at a very good price. So I needed to move on the sale, XXXX XXXX XXXX was the XXXX and man who handled the loan! On XXXX XXXX XXXX XXXX called me to come over the bank to sign for the loan, when I got there he told me for some reason the bank had made it a secured loan with my house ( which was paid for ) as security. ( my home is valued at about XXXX ) I did n't like the idea, but thinking XXXX XXXX was a friend and I had been doing business for years with him I accepted it, mostly because he told me I could pay ahead and have it paid off in a short time ( the loan was for 15 thousand dollars and it was for 25 years ) I have been paying, and doubleing up payments and sometimes more, I noticed that the balance did n't seem to be going down even though my agreement with XXXX XXXX was that any payment over the base amount would go toward principal! 
Upon checking I found that the bank had not been doing as they agreed and between XXXX XXXX, 2007 till now I have paid {$9600.00} in intrest and if I continue to pay as they want I would be paying over 100 % intrest on this loan. I would thing that this loan, was called a simple intrest loan, is named that because a person has to be simple to accept XXXX, in fact when I complaind to the bank the woman laughed and said they do n't give these loans anymore! I woulf like for Bank of America to go back and figure what I ouw then if they would have followed the original agreement I had with the loan maker XXXX XXXX XXXX Bank Manager and loan maker!

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 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: on XX/XX/2016 I filed a complaint of the mortgage company adding additional charges to my loan with no explanation. Because of CFPB they finally got it all corrected on XX/XX/XXXX statement. So on XXXX I go to the web site to make my payment and the web site will only let me make the minimum payment again and not the fully amoritized payment so I add the additional amount. Now again on XX/XX/XXXX statement they have started again charging me fees with no explaination. When is this going to STOP!!!!! I just want to make my payment correctly, on time, and have them credited correctly!! WHAT A CONCEPT!!!

Company response to consumer: Closed
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I paid ALL of the open collection accounts on ALL XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX. I received notice that collection account from XX/XX/XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called all XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: I call to American Express prepaid card on XXXX/XXXX/2016, Regarding a re occurring debit that was not authorized by me. I had contracted XXXX XXXX DBA XXXX the weeks prior tto me calling AMEX prepaid to obtain copies of authorization to debit the account on a monthly basis. I was not able to obtain any documentation from them regarding a contact or a withdrawal authorization. On XXXX XXXX, 2016 I received an email for The Blue Bird Team stating charges were justified based on their investigation and will provide me documentation. I have been in communication with them and they are stating they can not provide me with any documentation and the {$290.00} is not eligible for credit back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a notice of debt collection that went to my old address for medical bills that I never had. The fact that this went to my old address and I have not been to an Emergency Room or had any operations, makes this seem suspicious if not fraudulent. I recently purchased a home and no-where in the loan application did this debt show up. After a quick XXXX search, said company has been accused of shady and fraudulent business practices in the past and the majority of anonymous users instructed readers to take their problems here to potentially resolve the issue, I sincerely hope that it will.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 09/23/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have been fighting Equifax on the number of inquires on my report XXXX now, they do not belong to me ... .i have not applied for a job nor have i obtained credit from these fraudelant companies they keep telling me to take up with companies and i did send certified letters to them with no response from the majority of creditors. I would like to purchase a home in the future and these inquiries are hurting my chances. I was employed now retired from the usps which had a breech and personal info was impacted also irs had a fraud on me for someone else trying to file a income tax return XX/XX/2015 i feel my identity has been in jeopardy since XX/XX/2015 and would like all inquires since them removed

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NJ).
Issue: Taking out the loan or lease

Complaint: I leased a car from US Bank initially on XX/XX/XXXX. 
The lease is close to maturity and I wanted to exercise my options of either buying the car from the Bank or trading it to a dealer to get another car. 
To make that decision, I wanted to know the ( 1 ) payoff quote that I would pay if I bought the car or the ( 2 ) the amount a dealer would have to pay US Bank to arrive at the trade in value of my car. 
I called US Bank on XX/XX/XXXX and again on XX/XX/XXXX to get that information. I spoke with XXXX of US Bank at XXXX at XXXX. While they gave me my payoff price they refused to tell me how much the dealer would have to pay them to payoff the car. I asked to speak with their supervisor. I was kept on hold for XXXX minutes after which I was told that the supervisor will not talk to me. 
They maintained it was their policy to not let the consumer know what the dealer would have to pay to payoff the car. As a consumer, it is important for me to know how much the dealer would have to pay the bank so that the dealer does not manipulate the trade in value of the car. 
Citing an unknown, unwritten policy which I have never agreed to, US Bank refused to let me know the dealer payoff price. I, as the consumer and customer of US Bank, who initially leased the should have a right to know the dealer payoff price. US Bank is clearly running a scam along with the dealers to rip consumers off. 
I am writing to seek help from the CFPB to have US Bank provide the dealer payoff information for the car which will impact my trade in value. I also request the bureau to implement rules to prevent banks from engaging in such hideous policies so they can not run such scams with dealers against consumers. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation