milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Diversified Consultants, Inc dated XXXX/XXXX/XXXX attempting to collect a debt from XXXX in the amount of XXXX. This is the second attempt from a company claiming to be debt collections based on a debt I DO NOT OWE because after the first attempt from XXXX XXXX XXXX, I had already confirmed with XXXX that NO such debt exists. Diversified Consultants, Inc kept trying to call me multiple time daily over the past month until finally on XXXX/XXXX/XXXX around XXXX XXXX I returned their call. I tried to explain to them that the debt is not owed but they were adamant that it was and offered me a settlement offer ( only if I gave my card information over the phone ) at a bit of a discount. When I refused, the person at the other end of the line became hostile, pressuring me " Why? Why not? '' and although profanity was not used, the tone changed and he became quite unprofessional, going so far as to mock me for saying that I wanted to be able to pay the settlement price online, stating that it can only be done over the phone. I only asked to test this person, but I am confident through my conversations with XXXX that I have no debt. I have paid all my debt through XXXX online, promptly, since I can remember. 

As an aside, each time they call they NEVER leave a voicemail and always call from different numbers. Even though the number stated on the bill is XXXX, I have received calls from the following ( to name a few ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Name is XXXX XXXX XXXX XXXX. The current Experian credit report include information from a XXXX XXXX XXXX to include his address, credit information ( inquiries, collections ) and account that is not related to me in any form. I need this information corrected.

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 10/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has incorrect account balances on accounts which were paid in full. The correct balances are reflected on XXXX so the company has reported. Also, accounts are reflected as discharged in BK when they were paid in full and not included in BK. There are state liens which are incorrect. I left the State of Ohio XXXX YEARS AGO. I have filed a dispute with Equifax but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ive asked to please stop calling that i am working with a company for debt relief but they constantly do not stop, they start as early as XXXX and some times nearly XXXX even on sundays

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 06/14/2017 about Debt collection (Other debt) with Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: - Agent of company threatened garnishment prior to notice of court proceeding to collect debt in a manner that suggested that they were already moving forward with garnishment.
- Agent of company advised my wife on first contact that she did not represent

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 09-01-2016 about Debt collection (Payday loan) with American Credit Resolution, Incorporated (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A message was left on my cellphone, my husband 's cellphone, and my work phone by a XXXX informing me that she had legal documents with my name and social security number and that I would be served at my home or job within 2 days if I did not contact them immediately at XXXX and reference case #. At the end of the message she stated " you have been served ''. I called the # and spoke with XXXX XXXX who said if I did n't take care of the debt {$510.00} immediately, I would be sued and would have 25 % of my wages garnished costing me as much as {$3500.00} and advised me that I needed to take care of it by giving him my debit card information to enter into an agreement to prevent being served/sued. He also represented himself as being authorized by the state of Tennessee to notify me of my rights and make sure that things were being handled legally.

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
Consumer complaint received 06/15/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I feel behind on my loan due to lost of employment. hence Ditech started foreclosure proceeding against me ... I was able to work with them & get my loan up to date. Ditech stated that if I pay {$910.00} in attorney fees that they would bring my loan current. I paid the fees XX/XX/XXXX and I have been making regular payments of {$690.00} every since then. I receive a letter in the mail stating that they were going to foreclose against me since I owed them {$200.00} in back attorney fees. Dictech never told me verbally or in writing that they were additional attorney fees and that my Mortgage payments will increase {$69.00} every month until those attorney fees are caught up. I have ask Ditech to supply a breakdown of these said attorney fees, and as of now, I have not receive such. This is unfair business practice, as I was never verbally told or written form that my mortgage will increase due to attorney fees. Also if Ditech knew that the attorney fees of {$910.00} was not sufficient they should have stated other wise, but they did accept my money without any hesitation and Ditech guaranteed me that my account will be in good standing once I pay the {$910.00} and continue paying my monthly payments of {$680.00}. Ditech stated that my payment of {$910.00} was not paid to the attorney fees but was allocated to my mortgage and my account specialist XXXX XXXX was no longer with the company. I am asking that Dictech be accountable for allocating the funds that I provided them in the correct order that they insured me it would be. As it is quite obvious that they are out to remove me from my home. I suffer with health related issues & with the added stress of a looming foreclosure is too much for my body to withstand both mentally & physically, especially when Ditech assured me that my account was in good standing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ADVISED EXPERIAN TWICE THAT XXXX XXXX WAS AN ACCOUNT THAT I AM NOT AWARE OF, SUSPECTED FRAUDULENT ACTIVITY. I HAVE DISPUTED TWICE AND IT IS STILL ON MY ACCOUNT. IS IMPACTING CREDIT WORTHINESS THROUGH NO FAULT OF MY OWN.

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 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: An entry in my credit report is for {$69.00} reported by Collection Bureau of America, XXXX XXXX XXXX XXXX, XXXX, CA. I contacted them and talked to XXXX XXXX and informed her that they had the wrong information ( date of birth and ssn ) after talking XXXX, agent at the original creditor ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA ), who told me my date of birth did not match the patient on file. XXXX refused to give me any information about how I could prove my case and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXXwhen I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion is reporting a collection that another collection company was reporting. I t was removed as the account in question was the result of an accident. This was for the ambulance ride for me to the hospital. Under the state of Florida insurance I had PIP insurance in place for up to {$10000.00} of medical bills ... the company failed to bill it..I can not be reimbursed if I pay ... they must bill the insurance directly..I have explained this to the collection company and they do not care..it is a Florida law that they provider bill the PIP insurance ... I disputed this same information when it was reported by another company..now this company is reporting he same info ... .How do I get them to remove this false/incorrect information? I have disputed this multiple times - each time trying to give more detailed information ..each time they say verified ... how is it verified ... I also never signed anything guaranteeing payment ... this is th e Fire Dept  ambulance service..they should bill properly. Also, ... now Transunion-since disputing this has made it impossible for me to access my credit info online..forcing me to do it by telephone and mail-making it very difficult to get anything accomplished

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 08/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Problem with additional add-on products or services

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX RE : Personal Line of Credit Account # XXXX I am Wells Fargo Customer since 2008 and I am maintain may checking, Saving, Credit card and Personal Line of Credit good standing Today I found out your bank closed my account without informing me. I am so disappointed. 
Please explain to me why is my account has been closed and please reconsider to reinstated due to 9 years relationship with your bank. 
More information call me on ( XXXX ) XXXX Thanks 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 10/23/2015 about Mortgage (Conventional fixed mortgage) with NETWORK CAPITAL FUNDING CORP (CA).
Issue: Credit decision / Underwriting

Complaint: I was told that I would get a loan at 3.875 % and that they could do it. I explained at first that i had a " XXXX '' agreement on my home and was told at first that it should n't be an issue. I did n't get any calls back from XXXX and had to call several times to talk to XXXX XXXX, but had to call his superior.. I had to call his boss XXXX XXXX, who I expressed my frustration with XXXX not returning my call, he said that XXXX would call me back to explain why they could n't do the loan. I never received a call. I then called his boss XXXX XXXX and he stated that they could n't do the loan. I asked for the guidelines and why, and received answers that did n't make sense to me. I asked to speak to his boss and he said that he was the director and there was no -one else above him that could make the decision to do the loan. This phone tag was over a period of 4 weeks. When XXXX told me he could do the loan at first, I gave him my credit card information and he sent me all the docs and application and asked me to immediately sigh them electronically, which I did. At that point i waited for a call or any information they needed, but received nothing? Thats when i called His boss XXXX, and he proceeded to tell me they cant do the loan because of the XXXX agreement on it. He said they had to follow guidelines and could n't do it. As far as I was concerned i signed a contract with XXXX to get he loan done, after i disclosed that i had a XXXX '' agreement and was told it would n't or shouldnt be an issue. I was told from XXXX that XXXX would call me back to better explain why they did n't want to do it. I never received that call. I was sent several loan rates from XXXX at first, which i agreed to the XXXX rate which we discussed as my best option and waited after the docs were singed for them to move forward with the loan. I have a good LTV and was looking for a XXXX refinance on my home that appraised at XXXX. Dosent the lender have to send you the reason or guidelines of why the refused to do the loan?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: submitted my file for loan modification review in XX/XX/2016 with Bayview Loan Servicing. I have sent my documents and have contacted my Relationship Manager and have received no response. I am working with a XXXX company XXXX who also contacted Bayview on my behalf only to be advised they have not received a Third Party Authorization which has been sent on numerous occasions. I have a sale date and I called my Relationship Manager to see if the sale date was postponed to allow time for the modification review however received no response. Please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other fee

Complaint: Capital One failed to protect my account from repeated fraud and wo n't let me activate my replacement card. I have had a credit balance of nearly {$2000.00} for almost four months and Caputal One refuses to let me have access to my money. My credit limit is {$600.00} and they have three times my credit limit in my funds and they are depriving me of my right to use MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX refuses to lower my payments to a reasonable amount for my income level. Ive never missed a payment but also have never been able to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My ARM rate increase on XXXX caught me by surprise. I did not receive any notices while the bank had my current mailing address, email, and telephone number. With the online account management, there was no notification documents there. Monthly statement on XXXX was too late as a notice required by my rate change agreement, and the rate change was inappropriate without notice. 
Worse yet, all of XXXX, the " current rate '' was misleadingly outdated. I refinanced on XXXX after learning about the increase from the statement in the middle of XXXX, and I paid .625 % higher rate for XXXX full month and 22 days in the payoff month. It does not add up with my " current rate '' updated only in XXXX My payoff included the principal balance and a full month of increased interest, and I was only refunded six days if interest.

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 monetary relief
Consumer complaint received 12/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: Capitol One refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. Capitol One reports an open Capitol One Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with Capitol One briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. Capital One kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at Capital One and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet Capitol One continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps reporting every month on my credit report. I have absolutely no dealings with this company. I have no contract at all with this company. I have tried and tried to dispute the claims of this company to no avail. 

The doctrine of privity in the common law of contract provides that a contract can not confer rights or impose obligations arising under it on any person or agent except the parties to it. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. 

LVNV FUNDING LLC XXXX O XX/XX/XXXX Open {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency LVNV FUNDING LLC Original Creditor XXXX O Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Medical) with PlusFour, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: in XX/XX/2012 I was XXXX in XXXX on a business meeting. I had a XXXX. I had XXXX there. I had very good insurance at that time and it covered most of my bills except for XXXX which I paid. then this charge showed up from XXXX who was the XXXX doctor at this time we, ve paid him everything we owed him yet this bill still shows up on my credit report. can you please help me? I, m using XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX 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 02/20/2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (TX).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX - new home insurance policy took effect with XXXX XXXX XX/XX/XXXX - i called PNC spoke with XXXX - notified them of the new carrier and to NOT pay XXXX This policy was not executed as it was only a quote we received from them. 
XXXX entered these notes and indicated that they had not received anything from XXXX. 
XX/XX/XXXX - received an escrow shortage statement with a home insurance payment in the amount that matched the XXXX quote - no indication of payment to XXXX. 
XX/XX/XXXX - spoke with XXXX XXXX at PNC - she indicated a payment was made to XXXX on XX/XX/XXXX and a payment was made to XXXX on XX/XX/XXXX. PNC paid 2 annual premiums in a span of 5 days even though I had already informed them of who to pay and who NOT to pay. I was given no explanation as to why my notification was not followed. Now my escrow account is over drawn and PNC wants additional funds. It is over drawn because they paid 2 different companies full annual premiums. I now apparently have to follow up with XXXX to get the incorrect payment back from them and then figure out how to get MY money back to my escrow account. 
PNC has totally failed in managing my escrow account.

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

Complaint: *XX/XX/XXXX- Spoke to XXXX about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Spoke to Nelnet Loan Services XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from Nelnet stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.

Company response to consumer: Closed with explanation