milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (NM).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX with National Credit Adjusters has called my work harrassing my employer and asking improper questions about me. I am a XXXX and absolutely can not get ANY personal calls at work. We do not have a designated work phone. I have never given NCA permission to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (OH).
Issue: Other transaction problem

Complaint: Did a money transfer to a person that I have sent money to before. They gave me a tracking number which I sent to the receiver. Two days later, they sent me a cancel of the transfer? I have called several times and they will NOT give me a reason. I asked tot talk to whoever makes decision and they are protected from giving a reason for the decline and cancellation. I tried several times and they will not even tell me why? I am thinking to send again, but why waste my time?

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am called as many as 10 times a day, never leave a message

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from 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 08/18/2017 about Debt collection (I do not know) with Pan Am Collections, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was recently assigned a cell phone by my employer that had been used by a former employee, who is no longer with the company. I have received several calls from Pan Am Collections attempting to contact this previous employee. The most recent call was today XXXX/XXXX/XXXX. Unfortunately, I share the same first name as the previous employee, and answered the phone identifying myself by my full name. With the common first name, the caller was aggressive in insisting that I was the party of his interest. I called back and talked to a XXXX XXXX with Pan Am, and made clear that I am not the individual they are attempting to reach. He adamantly refuses to acknowledge this. I explicitly directed them to cease calling me, which was met with a clear indication that they will not comply. I have blocked the listed number for the company ( XXXX ) on my cell phone. However, they have also dialed in on an " Unknown Number '', so I anticipate that they will continue to attempt to harass me. I was informed that the phone call was recorded by XXXX XXXX. I informed XXXX XXXX that I would be submitting a complaint to the CFPB as they are clearly in violation of the FDCPA. Pan Am Collections XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have been trying to stop the company called XXXX XXXX from billing my credit card XXXX since XXXX.2015. I have had to dispute this charge every month for years now. I can not take it any longer. The credit card company blocks them and they use a different merchant number and start again.

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 08-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo is the servicing a loan for XXXX XXXX XXXX XXXX, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series XX/XX/XXXX and they are attempting to foreclose on my property unlawfully. Also, while in the process of a modification, XXXX XXXX was out of business when the loan was transferred, and they were the original Holders in Due Course of the loan. Therefore this loan trust does not have standing to foreclose on my property

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 11-01-2016 about Consumer Loan (Installment loan) with MNE Services, Inc (CA).
Issue: Taking out the loan or lease

Complaint: Lender asked me send a process fee for a {$5000.00} loan. 
I spent over {$800.00} for an emergency loan, they kept asking for more money from me. 
I tried calling and texting them back, but no answer or reply by text.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for XXXX in XXXX and submitted the XXXX to do a short sale. The servicer SLS issued an approval good for 120 days. I did not have a buyer and switched to do a loan modification. The modification was declined. I recently listed my home in XXXX and have found a buyer. SLS will not allow me to participate in XXXX anymore and said that it had expired back in XXXX. They said they only allow the homeowner 's a one time courtesy to participate in the XXXX program. I need help with relocation assistance because I was unemployed for some time and that was the cause of my mortgage delinquency. I have requested them to provide me the investor information and contact info, but SLS will not provide the contact phone number, only the name, which is XXXX XXXX. I do not understand why SLS is saying no, as the investor also gets reimbursed and paid money from the XXXX program. They are not willing to make any exceptions. 
I currently have a buyer who also is willing to pay for the XXXX delinquency dues of $ XXXX. The short sale has been over 30 days now and submitted to SLS. I do not know how long the buyer is willing to wait. I have already received the Notice of Default on XXXX/XXXX/16 and if the buyer walks, the investor can proceed with filing a Notice of Trustees sale and the property be foreclosed if I ca n't find another buyer that is willing to pay an additional $ XXXX out of their pocket. 
The only thing holding up the close of this short sale is SLS not allowing me to participate in the XXXX program. SLS has everything else they need to approve the short sale.

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 06/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing the same fraud accounts on my credit file and experian is giving me a hard time with removing these items. I have spoken with rude people such as XXXX and never had a chance to speak to a supervisor as I requested. I have sent in and faxed in a copy of the most recent police report and yet nothing has been done. Experian is making it seem like this situation is all my fault.

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 05/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: JC Penny lowered my credit line based on incorrect data on the Credit Report. I have a prior case opened and it is still pending. Yet this action in my opinion a SCAM because it places me at my credit limit further impacting my already wrong low credit score. My credit score   XXXX !!!!! and they do NOT tell me where they got the information even though they allude it is noted. You find it! I might  XXXX  they offered me the credit even while I had an extremely low score- bait me in them clobber me! SEE PRIOR COMPLAINTS SYNCHRONY BANK- who advised me they already corrected the errors and credited me back money. I now have to be continually exposed to ineffective credit reporting further impacting my financial ability. It has cost us significantly in declined loans and usurious rates. Personal opinion a scheme to indenture people financially! They can take your money instantly from your bank account but they can not correct your credit- it tak es 60  to 90 days. Furthermore I have a security freeze on all  XXXX  they can not find. That was my last report so how did this company gain access???????

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 05/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Case # XXXX THIS IS NOT A DUPLICATE ... The Company has not responded. It amazes how they have no qualms about continuing their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: please refer to case #  XXXX  regarding the initial issue with barclays cards ; on  XXXX / XXXX / 2017  I spoke with  XXXX   XXXX  of the office of the preside nt BCUS  at  XXXX  ext  XXXX  to follow up regarding my issue with the closure of my XXXX  cc. She told me that barclays will not alter their credit decision to close my account and by doing so harming my credit rating. She showed no concern about my issue or concern ; she did not resolve it or offer any alternative solutions. She is a disgrace as far as customer service representative especially form the office of the president! What a joke!. I have always been treated in this manner by barclays anyway. Both credit card accounts were current, never over the limit, payments more than minimum, never bounced checks! Shame!!!!!!!!!!!

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 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This specific XXXX XXXX XXXX ( Account # XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

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 07/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB cfpb - Case number : XXXX is to combined with THIS case as you required extra information, being that there is NO place online to add the extra information required, I find it prudent to resubmit in full. I spoke with customer service who advised me to go online and add what is required, as this is NOT possible, I will fix the problem by resubmitting. Thank you for your understanding in this matter. 

NOTICE OF NON-COMPLIANCE / VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT FORECLOSURE FAIRNESS ACT AND THE CONSUMER PROTECTION ACT. 
COMES NOW, XXXX XXXX XXXX and XXXX XXXX XXXX, ( Hereinafter referred to as " Homeowners '' ), to file this NOTICE OF NON-COMPLIANCE I VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT ( DTA ) THE FORECLOSURE FAIRNESS ACT ( FFA ) AND THE CONSUMER PROTECTION ACT ( CPA ) including but not limited to, in order to set aside Homeowners ' Deed Of Trust ( DOT ) for fatal defect, and subsequent erroneous filings by pretender Lenders and the Loan Modification in this matter as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, I received from XXXX savings bank  a XXXX, cancellation of debt form, for {$3500.00}, which I filed with this year 's tax return and it was reported as income. XXXX savings bank   is still reporting to the credit bureaus that I have a balance of {$3500.00}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with Equifax, XXXX, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX savings bank credit card account as having a {$0.00} balance and as being paid. My problem is with Equifax, XXXX, and XXXX savings bank. Equifax and XXXX wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$3500.00} to the IRS as income, they are still reporting it as the balance I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Struggling to pay mortgage

Complaint: Loan Number:XXXX  Bank of America Home Loans From : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it May concerned, I am seeking assistance from Bank of America to help with a modification of my home so, I WONT BECOME HOMELESS ON THE STREETS OF XXXX  . I have the help of XXXX and submitting all of my documents to them. XXXX XXXX XXXX  from the Bank of America Regulatory Department is harassing me with phone calls every week!! I dont understand what is her issue!! She was so disrespectful and nasty towards over a month ago. No one else from BAC has every been very nasty towards me. I am doing my complete best to keep my home. This is the 4th complaint I have made of this lady from Bank of America. This has to stop. Please help me! I am just requesting assistance from the Bank not weekly harassing phone calls. XXXX  representatives are very kind and willing to help me through this process. I have submitted all the documents the Bank needs to modify my loan and lower my mortgage.

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 12/31/2015 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals?

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A wrong name and address is listed on the credit report under my personal information. 
The following personal information is not me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I did n't have the money to pay the bills at that time. I 'm willing to start a payment process.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit reporting companies, the big three - XXXX, transunion, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to Transunion. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from XXXX, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I opened a dispute on XX/XX/XXXX. My dispute is still open and processing. I have received no further information or updates regarding it 2 months later. The 30 day deadline has passed. I demand that all the information be removed immediately per the FCRA. 

XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XX/XX/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 08/13/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Customer service / Customer relations

Complaint: This is a continuation of Complaint XXXX against American Express. Today, XXXX XXXX, I received a letter from AmEx dated XXXX XXXX, 2015 as follows : " Thank you for your inquiry concerning the {$290.00} refund check that was issued for the credit balance on your account. We processed a stop payment and issued a new check. 
" You may now choose to received your future Account Communications from us by e-mail. To set up this convenient option now, please visit your Profile & Preferences at americanexpress.com/XXXX and go to the Communication Preference tab. 
" Thank you for your Card Membership. 
" Sincerely, " American Express customer care. Dispute Reference XXXX '' Of course, there was no check included. What is going on with this company? I 'm at my wits end. Any help you can be, please, please, please. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Debt collection (Credit card debt) with Mendelson Law Firm (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Mendelson Law Firm has threatened to take legal action against me by filing a lawsuit for a debt I " allegedly '' owe a credit card debt. I have asked them to provide LEGAL and VALID proof of the debt. They have NOT provided me with proof that this debt belongs to me. In response to the first validation request, they presented a " Bill of Sale. " The printing of a Bill of Sale does not support adequate documentation or validation. I then requested actual and adequate validation of the debt. I have the legal right to request Validation under Fair Debt Collection Practices Act. They have NOT responded to my request with adequate proof. Not only have they failed to validate, but they have also continued to report this information WITHOUT proof to the Credit Reporting Agencies. Thit is not only Defamation of Character, but a clear VIOLATION of the FDPA, as well as the FDCPA. They have not provided me with any contract between their company and myself. They also have not provided me with a contract between me and the " creditor '' XXXX XXXX XXXX. Seeking payment from me, and requesting that I attend court for a debt that they " claim '' I owe is absurd.

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