milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the office depot statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in 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 non-monetary relief
Consumer complaint received 06/18/2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am the cosigner to my son 's student loan and I would like removed from this loan. Also, it is an adjustable rate loan and it keeps going up and up. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: I am writing to correct an issue on my credit report, regarding a foreclosure which was finalized in XXXX of XXXX. I had a XXXX and XXXX mortgage on a property located in XXXX, XXXX XXXX that was foreclosed upon. The XXXX mortgage holder, XXXX XXXX, is reporting on my credit report as " settled '' in XXXX of XXXX, but the XXXX mortgage holder, Bank of America, is still reporting the XXXX mortgage as an " unsettled '' account until XXXX of XXXX. 

History : In XXXX of XXXX, I contacted the Bank of America 's " Charge Off '' Department, requesting that credit reporting error be corrected. After six weeks of telephone calls and emails, they told me on XXXX XXXX, XXXX there was nothing they could do. 

Then XX/XX/XXXX, I began receiving harassing calls from XXXX, XXXX, XXXX XXXX XXXX, a law firm in XXXX, XXXX, informing me that they would be taking me to court to collect a {$45000.00} XXXX mortgage judgement against me on behalf of Bank of America. I informed them that this specific XXXX mortgage was settled in a foreclosure and therefore was exempt from collection. They stated that Bank of America considered this XXXX mortgage as a collectable debt. 

Finally, after months of harassing calls, mails and letters, I offered and Bank of America agreed to accept, a {$5000.00} payment to close this matter and on XXXX XXXX, XXXX, I paid this amount. 

I am presently attempting to apply for a new home loan and I am unable to do so because Bank of America is reporting this account as last active in XXXX XXXX, instead of 2 years and 9 months ago ( XXXX of XXXX ) when it was foreclosed upon. Repeated calls to various departments at Bank of America have resulted in no response to my request. My wife and I would appreciate any assistance you can provide us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Medical debt) with R&R Professional Recovery, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company was retained by the original creditor and the original creditor failed to bill the health insurance company in a timely matter. This stemmed from an auto accident case. The original creditor waited over a year to bill the insurance company. The insurance information was provided at the time of service ( in XX/XX/XXXX ). They waited to bill me untilXX/XX/XXXX. I worked with the health insurance company and their Director tried to get the provider to file the claims so that it could be processed. However, because the provider waited over one year to file the claim, it caused the claim to be denied for timely filing. They are contracted with my insurance company and should have filed the claims in a timely manner. I had no idea that the provider hadn't submitted any of these claims and had to call them and ask them to submit the claim. They should not be allowed to submit claims at their leisure and then try to collect payment because they've failed to submit the claims in a timely fashion. I've tried to communicate this with the provider. I even leveraged the insurance company who tried to get them to submit the claims to at least have them processed and in their system. Providers should not be exempt from having to submit claims to insurance companies in a timely manner. I understand that they treat people with auto accident injuries and would rather collect rather sums of payment if the case settles or a judgement is awarded, however, not to process insurance information to try to jeopardize the patient 's financial situation is not fair.

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 02/14/2018 about Debt collection (Auto debt) with EQUIFAX, INC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Equifax has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect 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 explanation
Consumer complaint received 01-11-2017 about Debt collection (Credit card) with ACS Education Services (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to ACS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ACS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ACS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Failure by Residential Credit Solutions ( RCS ) to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan and applicable law ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ) On XXXX XXXX XXXX, we received a Final Escrow Account Disclosure Statement ( Short Year History Statement ) for the reporting period XXXX XXXX through XXXX XXXX. The Final Escrow Account Statement was dated XXXX XXXX XXXX. 

The Final Escrow Disclosure Statement does not reflect our scheduled XXXX XXXX, XXXX payment that was accepted and deposited by RCS on XXXX XXXX XXXX. This payment was processed by RCS before servicing transferred to XXXX XXXX XXXX. 

The correct ending escrow balance is {$2800.00} not/not {$2400.00}. 

Servicing of our loan transferred from RCS to XXXX XXXX XXXX on XXXX XXXX XXXX. RCS transferred an escrow balance of {$2400.00} to XXXX. They failed to transfer the {$430.00} that was accepted and deposited by RCS on XXXX XXXX XXXX. The correct amount of escrow that should have been transferred to XXXX XXXX is {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I contacted Experian and have sent countless of letters to have them delete innacurate and wrong addresses jobs and phone numbers from my persona credit report. It is a violation of the FCRA for them to just place and hold this information on my credit report especially when the other credit bureaus have removed them. The information is not correct and that is it!! I need the following information to be removed : was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 
Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 
Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : 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, 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 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , 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 non-monetary relief
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is for wrongful information on my credit report. This XXXX XXXX has no proof of my responsibility to agreeing any type of terms to them. I shown proof in the District Court where there held a wrongful debt against me. They had no report to collect from me. The Judge XXXX XXXX dismissed the case in XXXX XXXX and I was awarded not guilty. I have further records from the court proceeding if needed to prove this case against XXXX XXXX. I have been in great standing with my other creditors. I do n't know how to upload the court documents to prove my case on this matter. I am willing to find a way to send at a later date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: Ally Auto financing makes it hard to get the 10 day payoff. They take 3-5 business days to process a 10 day payoff and does n't make it available online even though they have online bill pay and financial online statement. How can they make it easier to obtain the payoff amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with NRA Group, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this debt. There was no invoice sent to me. 
This company has reported this on my credit report. 
I called XXXX XXXX but I was not connected to anyone. 
The bill is in he amount of XXXX. 
I am requesting validation of this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (OH).
Issue: Taking out the loan or lease

Complaint: I applied online for a loan with Rise Credit on Monday, XXXX XXXX, 2015. At the end of the application process, it stated that I needed to provide additional information and was given a list of additional documents that were needed. I provided the following documents : copy of driver 's license, social security, XXXX award letter and 2015 XXXX. After I submitted the documents, I kept getting emails from the company stating I needed to submit additional information. I had to submit my social security card twice, and the XXXX award letter. Then on Wednesday, XXXX XXXX, I received an email from the company that all my documents had been received and I would have a decision that day. As the end of the day approached and I had not received a decision, I contacted the company again to see what the status was. I was told that my documents were in the reviewer 's inbox and it would probably be the next day before a decision could be made. On Thursday and again today ( Friday ), I contacted the company for the status again and was told no decision had been made and that it would be another day. I was also told on Thursday that after 10 days the application would automatically be cancelled if no decision was rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Other

Complaint: PARDON THE CAPS, BUT I HAVE JUST GOTTEN OFF THE PHONE WITH DISCOVER, XXXX XXXX EVENING EST. THEY HAVE CONTINUED TO BE QUITE DENSE AND AM AT WHITS END AND REALLY AT THE END OF MY ROPE HERE. I HAVE XXXX MAJOR DOCUMENT WHICH IS MY XX/XX/XXXX YEAR END SUMMARY OF EXPENSES INCLUDING ALL CREDITS AND DEBITS WITH ALL ACTIVITIES FROM XXXX PREVIOUS CARDS CARRIED OVER AS TRANSFER BALANCES, THE TOTAL REFLECTS THE AMOUNT OF {$12000.00}. THIS AMOUNT WOULD BE ADDED TO BE XX/XX/XXXX OPENING BALANCE OF {$5600.00}, I WILL NOT ARGUE THAT. I CALLED DISCOVER WITH THIS CASE AND THEY SAID GO BY THE PAPER BILLS, SO WITH NO LIGHT AT THE END OF THE TUNNEL IN SITE, I DID AND PAINSTAKINGLY CALCULATED ALL CHARGES FROM XXXX PAPER MONTHLY STATEMENTS AND CAUGHT AN ERROR/OVERSIGHT ( ATTACHED ). MY OFFICIAL TOTAL SHOULD BE {$20000.00} FOR XX/XX/XXXX, FURTHER LESS CONSIDERING I MADE PAYMENTS IN XX/XX/XXXX WHICH IS A INDISPUTABLE {$19000.00}. THEY WILL NOT RECEIVE ANY PAYMENTS NOR WILL I INCUR ANY PENALTIES UNTIL THIS ADJUSTMENT IS MADE AS I HAVE GONE OFF THE PAPER MONTHLY STATEMENTS. YOU WILL FIND ALL OF THIS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am disputing the answer from Wells Fargo under the following reason : On XXXX XXXX, XXXX in a settlement with California 's attorney general Wells Fargo agreed to provide loan modifications to all those homeowners who had a pick-a-payment. Therefore, Wells Fargo provided a Home Payment Relief Program '' ( HPRP ). Under this program Well Fargo promised to provide with interest rate reductions, term extensions, tax forgiveness, insurance advances, and principal forgiveness. I, as a homeowner with pick a payment, qualify to a loan modification under Wells Fargo Home Payment Relief Program but Wells Fargo keeps denying it for many years of this right. 
Every time I had apply for a loan modification, they ( WF ) had used my present circumstances to different programs but not the one under the HPRP which to my knowledge, it is a legal process that Wells Fargo had agreed to comply with under the settlement already mentioned. As an example of Wells Fargo tactics not to comply with the settlement, other than mine, there was a litigation on XX/XX/XXXX where WF was found not in compliance with the settlement of XX/XX/XXXX ( U.S. District Court in XXXX District of California No XXXX ). The point here is that Wells Fargo just keeps avoiding their responsibility to help homeowners with changing the pick a payment loans by providing a loan modification under different guidelines. 
I have tried to work this issue with Wells Fargo repeatedly month after month for years but they had kept playing " smart ' by using the regular guidelines and not the one it is suitable for my situation. Wells Fargo has fall short on their responsibility and I strongly believe they have to grant me a loan modification under their Home Payment Relief Program for pick a payment loans. For this reason, I had summited this formal complaint with you the Consume Federal Protection Bureau ( CFPB ) hoping to have a result favorable to my case at the end. 
I really appreciate your consideration in this matter and hope to hear from you soon. 

Regards, 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 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am a nurse and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. One item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.

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