milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan servicing, payments, escrow account

Complaint: HI i have tried yet again to dispute what wells fargo bank and cfpb system doesnt allow me to progress, cfpb why have you not atempted to prosecute wells fargo for fraud and hold those responsable for there actions and theft of my home, acount in credit and no missed paymants yet you have never asked for proof of paymant? you have deliberatly treated me and my family un equal to american person why are you pretecting this fradulent and deciptfull bank why numerouse supreme court orders yet no compesation 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 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Arcadia Holdings, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a debt keeps appearing under my name which I do not have,

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 09-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX I received a letter from XXXX stating that my application for a credit card had been denied and I should contact the credit bureau listed on the letter. I tried on line and they would deny me the report then I use the phone number on the letter and after giving then all the info it said they will transfer me to a Rep., it was busy and no way to get back or being placed on hold for the next rep, they finally hang up on me. 
I tried again but will not take my info anymore and there is no way you are allowed to talke to a live person. 
There should be a better way. On top of that the recording said I had to send by mail copies of all my documentation including SS card, driver license, bills, etc.. This is dangerous and I am not happy about it. How can we get a copy of the report by paying, but when it comes to a free copy they placed so many hurdles? UNFAIR. There is got to be a better way.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed illegally by Bank of America XX/XX/XXXX. I had requested a short sale, and modification. The papers for the modification were sent to me to send back but the foreclosure was done before the date to return the forms. Squatters had taken my home and refused to move out. I reported the squatters to B of A. They refused to do anything. I called the bank more than XXXX times trying to advise them of the squatters. The house was foreclosed and legal action was taken against me to get the squatters out. I have eviction actions on my name at the court house and I did not receive any notifications of the actions taken. I have just recently seen all the legal actions processed in my name when I was denied another credit rental action. The squatters moved into my home in XX/XX/XXXX and stayed there until XXXX or XX/XX/XXXX. I asked the police to evict them. They refused because Bank of America said it was their house and it was their responsibility to get them out and not mine. The squatters damaged the home. They stole all of the copper and the air conditioning unit. The house was infected with roaches and holes were in the walls. I have been charged with all the damage and my credit record is showing evictions I was not responsible for. I had processed a change of address but did not receive any notifications. I had requested assistance but the different depts. were not letting each other know what they were doing. My modification was being processed the same time the foreclosure was being processed. I called the attorney for B of A and was told the foreclosure was sealed. I called B of A and was told my short sale was possible and another dept had me set up for the modification and I lost m house on XX/XX/XXXX. What can I do? The process was illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08-10-2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Allied Interstate LLC continues to relentlessly call and harass me and my friends with verbal violence and abusive treatments. This includes manipulation attempts to garner private, secure information about our identity, but at the same time refusing to properly identify themselves and who they are. In addition, they allege unauthorized student loan amounts owed to them that seem to change with each subsequent phone call. 
In addition, despite us having told them that they have the wrong number and despite having requested for this company to cease their calling and harrassment, Allied Interstate LLC refused to stop. In addition, the callers make up lies and attempt to gaslight unsuspecting individual consumers into giving out their credit card information over the phone, without really knowing who this company is. This company has already been in trouble with the Federal Trace Commission and has been involved in a XXXX $ XXXX lawsuit with the FTC. So there 's that.

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 03-03-2016 about Consumer Loan (Vehicle loan) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Managing the loan or lease

Complaint: I was a co-signer on an auto loan purchased XX/XX/XXXX and financed through XXXX XXXX XXXX. Shortly afterwards XX/XX/XXXX Tropical Storm XXXX came through XXXX and flooded the vehicle. The owner was paying the car note but failed to maintain full coverage insurance on the vehicle because it was not being driven and he was going through a temporary hardship, however the car note never failed to be paid. Unfortunately the vehicle was flood during this catastrophic flooding that affected the entire XXXX area and with no insurance the vehicle was picked up by XXXX XXXX XXXX and sold. Years past and that vehicle sat on my credit report for 7 years. XX/XX/XXXX I had a hardship and I filed for Chapter XXXX Bankruptcy when I started my bankruptcy this was not listed on my original credit report pulled by my attorney, therefore it was not listed under my secured payments to be made, however I have just found out that after 10 years this collection company Cavalry Portfolio Services LLC purchased the debt from XXXX XXXX XXXX submitted a claim against my bankruptcy and has been receiving payments. From my understanding as a Co-Signer on the original loan they should not be attempting to collect in my bankruptcy Chapter XXXX. Also this non government collection is over 15 years old. I have called the collection agency and no one will speak to me or assist me in answering my questions. I get attitudes from management and they talk to me as if I ca n't do anything about this and then they hang the phone up in my face. I have heard chuckles in the background when I call as if I am a joke and who cares. I need help please. I wholeheartedly believe based on all the rules and laws I have read about my bankruptcy this company has broken the law. They have missed the statue of limitation for suit, why is it that they can claim against my bankruptcy after so many years and still remain on my credit report. Even the attachment I have included stated that they will not report to credit agencies however they are reporting to Credit Bureaus ... ... .Please, Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with VELO LAW OFFICE (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt started with XXXX XXXX for {$610.00}. I made an agreement with them to pay {$200.00} a month. After I paid my first {$200.00} on XX/XX/XXXX they sent the debt to their attorney Velo Law. Velo law then got a judgement against me for the full amount of {$610.00}. After arguing with Velo law and XXXX XXXX for several months they continued to push me off on the other company. When I called XXXX XXXX to receive a receipt of the {$200.00} that I paid they would not give me one. They claimed they contacted the lawyer and they can do nothing else and hung up the phone on me. Once I made my final payments, I contacted XXXX XXXX to ask for a receipt of the amount I paid, they screamed, yelled and hung up on me. I believe that Velo law and XXXX XXXX are working together to receive more money from people for the original debt that is owed and splitting the difference, because I had already agreed to pay XXXX XXXX. The debt was turned over to the law office after I made my first payment. Velo went to court and got a judgement against me for {$920.00}, though I had an arrangement with XXXX XXXX to make payments. Both companies state they are working with each other and they are taking advantage of people. Velo did not contact XXXX XXXX to inform them that I made a payment onXX/XX/XXXX, they only informed them of the payment made on XX/XX/XXXX. So my credit report reflected my debt was not paid in full, when in actuality it was. I can also provide bank statements showing all payments made. Neither company was willing to send me documentation of all payments made and both hung up on me. I paid {$200.00} with check XXXX on XX/XX/XXXX I paid {$210.00} to Velo on XX/XX/XXXX I paid {$200.00} to Velo on XX/XX/XXXX I paid XXXX to Velo on XX/XX/XXXX Afterward Velo then sent a notice to garnish my wages for an additional {$380.00}. My additional debt was for a medical bill that is a non-interest bearing debt, but they are claiming that I must pay interest and their court fees. I was taken to court after I made an arrangement with XXXX XXXX to pay. In total for a {$610.00} debt I have paid {$1000.00}. Neither Velo nor XXXX XXXX would explain and both were rude, threatening and did not speak. I had a small debt, luckily but imagine someone who has a higher debt the amount of fees these two are working together to charge people. I paid the debt almost twice. This seems to be a scam and unfair. My account number is XXXX at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX /2017 : filed a complaint with CFPB  XXXX /2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt  XXXX /2017 directly to ProCollect. ProCollect should  be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian refuses to open a dispute at my request for the following inaccuracies on my report. 

Addresses that need removal XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts that are closed and are too old to be reported. Experian refuses to process my dispute 1. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 2. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 3. XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown I requested method of verification from Experian regarding the following closed accounts that I have disputed but remain on my report. To date Experian has not furnished who they verified account with and how the account was verified XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Experian reports inaccurate social security numbers for me : Please remove all numbers that are incorrect and do not have the last four as 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 10/27/2016 about Bank account or service (Savings account) with DISCOVER BANK (MD).
Issue: Deposits and withdrawals

Complaint: I have online Savings account with Discover. Deposits and withdrawals are done online through ACH with a non-Discover checking account. The authenticity of the checking account is verified at the time of opening an account. For a withdrawal of large amount, which can earn a few dollars interest everyday, the Discover bank debits the savings account on the day of request, for example on XXXX XXXX, 2016 but the bank does not transfer the money for 3 - 4 days, thus not paying interest on the money which is still with the Discover bank. The Discover could not show any policy in writing to show this delay in transferring the money and not paying interest after speaking with the customer service rep and his supervisor, who kept on confusing me with the hold time for deposits. For these hold time on Deposits, the interest is earned, but on withdrawals where the account is debited, but the money is still held by Discover bank for 3- 4 days, the interest is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NY).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ PNC Bank in New York. I advised them I 've never had an account with PNC and filed a complaint with PNC directly today XXXX XXXX, XXXX. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am elderly vet and XXXX XXXX XXXX. I am confined to a XXXX. Debt Recovery Solutions ( DRS ) took advantage of my situation. DRS contacted me and told me and my XXXX and told us that I had to pay a XXXX bill. I told them it was about 15 years old. They sent me a letter that said they had purchased an account from XXXX. They didn't let me know that it was WAY beyond the statute of limitations. The last activity on this was in XX/XX/XXXX I believe. I have learned that it should not even be on my credit report. They have reported it as opening in XX/XX/XXXX but date of last activity XX/XX/XXXX. They also just started reporting this account in XX/XX/XXXX right when they got a trigger notification that I was looking to buy a home. When I disputed this account verbally ( by telling them it was 15 years old ) they told me " too bad. You have to pay it to get it off your credit ''. I felt I had no other choice. DRS also never allowed me to validate the debt before reporting it which I have learned is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: please see case # XXXX and Case # XXXX in Reference to Case # XXXX. I have previously requested that Equifax removed item # XXXX from my credit report. Due to the improper manner and deceitful manner in which this judgment was obtained ( please review previous complaint to your agency submitted on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank, during the month of XXXX 2015 closed my Chevron Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Chevron Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (IN).
Issue: Trouble during payment process

Complaint: I have been having problems with keeping up with my mortgage payments. 

Roundpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, NC XXXX is the servicing agent for XXXX XXXX XXXX XXXX, the holder of my mortgage. 

In XX/XX/XXXX, I put the mortgaged property on the market. I did find a buyer quickly, with a closing date in XXXX. I had divided the property to make it more attractive to a buyer who did not want to be a landlord. I was not able to keep up with the payments at this time, so I contacted Roundpoint and let them know that the closing was in XX/XX/XXXX, and they would be paid off at that time. Their customer service people indicated to me that was acceptable, and ceased calling me about being behind in the payments. They gave no indication that there would be any derogatory information reported to the credit bureaus. Roundpoint did file derogatory information during XX/XX/XXXX. 

The closing on the property created another problem. XXXX XXXX made an error on the closing statement, and left me with a {$2700.00} balance to be paid on the mortgage. Roundpoint did commence billing the balance in XX/XX/XXXX, even though I had paid off about {$130000.00} of the {$130000.00} balance. They insisted that the payments start then, and would be at the same amount as before. No adjustment would be made. 

I am still having problems keeping up with the payments. In XX/XX/XXXX, I requested that Roundpoint pay the property insurance out of the escrow. Roundpoint did not, and I paid for the insurance in late XX/XX/XXXX to avoid cancellation. I have requested that Roundpoint move the insurance money from escrow, and apply it to my principal balance. They refused, on the basis that I am one month behind on the mortgage. I would have been able to get current on the mortgage if I did n't have to make the insurance payment. 

There is {$1400.00} in escrow. I have paid the insurance on the property, and the property taxes are taken care of. There is no reason to hold the money in my escrow account. This money would take care of almost 2 months of the principal and interest on the mortgage. Roundpoint would rather leave my struggling to make the payments than release the escrow.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus Transunion has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

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 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Forest Recovery Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a water bill on my credit that I already paid and was send to a collection agency without my knowledge. I get calls night and day from collection agency with treated, judgement and repossession of my belonging. I am very XXXX with all this treated, I get XXXX kids at home and scare that someone will come to my house when I am at work and just take everything without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent this letter on XX/XX/XXXX, but I have not yet received a response.

Company response to consumer: Closed with explanation