milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted Diversified consultants in the past about at XXXX XXXX XXXX bill that does not belong to me. They previously removed this fraudulent account from on my credit report and NOW THEY HAVE PUT IT BACK ON AGAIN. As I previously notified this collection agency that I do not owe this debt but yet once again without contacting me whatsoever they put this debt on my credit report. This debt DOES NOT BELONG TO ME!!!!!!!!!!!!!!!! This collection agency is using fraudulent information to ruin my credit report. They have done it before and once again they are doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TO, CFPB I have checked my credit report and found that all my credit is missing. I have utility bill s payed, I have car insurance payed for 4 years, I have apartment payed for for two years faithfully, and phone bills, cable, an inter net. I would Like to re submit all the bills and information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit card with XXXX XXXX was charged off in XX/XX/2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.

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 05/14/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: To Whom It May Concern :  XXXX   XXXX  ,  XXXX  of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of  XXXX   XXXX   ,   XXXX  called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my f ather (   XXXX   XXXX   XXXX   ), an   XXXX  in  XXXX   XXXX , Florida who is more than   XXXX   XXXX   older than I am received a call from  XXXX   XXXX   ,   XXXX , but before they could reach him ( he was  XX/XX/XXXX  ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was  XXXX   XXXX   ,   XXXX .     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that broke the camel 's back : I examine my credit card statement, and without my knowledge or consent,  XXXX   XXXX   ,   XXXX  has begun charging my new   XXXX   XXXX   credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertion in various venues for years. ( see attached screensho ts ). These  disputes have not led to any determination of responsibility. In short,  XXXX   XXXX   ,   XXXX  violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. 
I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Debt collection (Payday loan debt) with Red Cedar Associates LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Red Cedar Associates keeps calling me on behalf of XXXX XXXX - XXXX. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I called Navient on XX/XX/XXXX and took care of my loan that was going to get defaulted and put it on a interest reduction program. I also asked to take my work number off my account and told them I was not suppose to be getting calls there. Let them know about the response I got from CFPB and that they checked into my account and my work number was off. I asked because I received a phone call at work yesterday XX/XX/XXXX. 
I then called Navient recovery on XX/XX/XXXX and talked to them about the response back that I received from CFPB about making a {$250.00} a monthly payment and my account for the 2 loans that defulted. My manager was not in and they left a message and emailed what we talked about to my account manager. I got a call today XX/XX/XXXX from my account manager XXXX XXXX and said that they said they do not have anything noted down about doing a $ XXXX monthly payment. She stated yelling at me about how a another company is telling me what I can do and that does n't that tell you about trusting another company and that it 's not Navient and she got really angry and would n't give me anytime to talk. What can I do about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced a mortgage with Loan Depot and the monthly payments were {$1300.00} however, I was notified that I had an escrow shortage and that my payment would go up to {$1400.00} but, would remain at the original {$1300.00} if the escrow shortage was paid. On XXXX XXXX, 2016, I submitted a payment of {$1000.00} to fulfill the escrow shortage. However, Loan Depot is still asking for the {$1400.00} even though I have called their office on two different occasions and was told that the {$1000.00} would be applied to the shortage and that my payment would remain at {$1300.00}. They have returned my XXXX XXXX payment stating that I owe {$1400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, 2017 I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. <P/>A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX XXXX. <P/>For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I  have is a reference number # XXXX. <P/>I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. Because I am not a Wells Fargo customer and this was a cash deposit, it has been especially difficult. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. So far I have no indication that this will actually happen. I plan to get in contact with XXXX County District Attorney as well as the Wells Fargo Board of Directors.

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 10-12-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Customer service / Customer relations

Complaint: I tried to login unsuccessfully to my online account with HSBC USA. I attempted to reset my password and was locked out for security reasons. I lost my credit card so I did not have the account number when I called customer service to attempt to get my account unlocked. They also require a telephone access code which I did not have at the time. I informed them that I think my card may have been compromised and they did not acknowledge my concern. I provided them with my name, social security number, date of birth, address, and called from my home phone number which is the one registered to the account. They claim I need to provide more information. I did not received a statement of my account for three months. I started receive collection calls at random hours, sometimes as early as XXXX and after XXXX. I have called multiple times to try and get my account unlocked so I can see my account activity and make sure my card has not been compromised and have been unsuccessful. I have all the information required now and they claim that department is closed. This is ridiculous. I have never had as many problems with a financial institution as this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Managing the loan or lease

Complaint: I had a XXXX XXXX XXXX XXXX. I Leased it at the end of XXXX though Bank of America. I paid the lease though maturity, then Bought the vehicle through the same bank XXXX. I paid on this loan through XXXX. Even though I was forced to claim a Chapter XXXX bankrupcy, I did not include the vehicle and paid it off. One month ago I turned the vehicle in to a dealership who could only give me {$250.00} for a 16 year old vehicle with over XXXX miles on it. I purchased a used vehicle, but did not have the title to my old SUV after so many years. Days later the dealership informed me that theycould not obtain a new title for the car because there was a lien on it. I called Bank of America right away. After waiting for weeks for them to " review '' the situation, they told me I owed them {$2100.00}. I have asked different people many times to explain how this could be, and they just tell me I owe it and that is it. I asked them why this is the first time I am hearing about this, and I can not get a intelligent answer. How was I able to renew my plates evey year. Why did I not recieve any notice. I aasked if they could work with me and negotiate the amount of this debt, and they said not at this time. The person on the phone explained that certain times throughout the year they do negotiate, but this was not XXXX of those times. I am recieving a huge amount of pressure from the dealership, and I can not afford this huge debt. I do not have time to wait for a period to negotiate because I already turned the car in. Had I known about this debt I would have made payments to take care of it, then turned the car in or sold it myself to offset the cost. If I owe something, I am willing to pay it off. But I am sure that Bank of America has already written off this debt and recieved the tax bennefits of doing so. I am also sure that it is not fair for them to tell me I have to wait until a certain time of year to negotiate with them. All i ask is that " If I do owe anything '' and they EVER do negotiate with people, please offer me the same consideration. I am going to have to try and borrow the money to pay this debt so I can get the dealership off my back. I do not think I owe this, and at least should be able to pay less than they are saying. Why didnt they come and reposess the car years ago, or send some sort of notice. This is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I called my branch bank in, XXXX, NC XXXX, to make a stop payment on the business called XXXX and the amount of {$330.00}. I was charged {$36.00} for the stop payment and the the business still removed {$330.00}. Now I am being charged {$36.00} for over draft! I had to give the information three times and still she did n't stop the withdrawal. 
.

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 05-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: credit reporting said they verified some accounts that are not mine, and i requested information of the process used to verify the accounts and they Equifax refused, even after i sent a certified letter they still refused to send information, Istated that i had a right under the FCRA to receive copies in XXXX days after they receive my request and they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (FHA mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Settlement process and costs

Complaint: I am not sure if this is the correct forum to file this complaint, but I was told by my mortgage agent this would be a place to start at. My wife and I purchased a foreclosure home, from Huntington Bank, in XXXX, Ohio. We made an offer on XXXX XXXX, XXXX, and agreed to terms on XXXX XXXX, XXXX. Upon entering contract we were told we needed to have financing in place, and an inspection done by XXXX XXXX, XXXX. We obtained our mortgage commitment letter XXXX XXXX, XXXX, and were told we would be clear to close as soon as an appraisal was carried out. All that was needed was for the home to be dewinterized, and utilities to be restored. However the bank failed to notify us that the company in charge of this task was not acting on its responsibilities. As a result we listed our home for sale, and it sold within XXXX hours. We were lead to believe that the transaction was going as scheduled, and proceeded with the sale of our home. XXXX we tried to schedule inspections, prior to the appraisal, but they were delayed due to the lack of utilities, which we were told would be turned on within a week ( as of XXXX XXXX, XXXX ). However delays started to mount up, and by XXXX XXXX, XXXX, we were still waiting for the appraisal, with a closing date of XXXX XXXX, XXXX set on our current home and no way to delay the closing. On that sate I found out that none of the utilities had been turned on, and a new company would be brought in to rectify the issues. It was n't until I called the utility companies, on XXXX XXXX, XXXX, that I found that the bank had been delaying the turn on of utilities, and as a result delaying the appraisal and our closing. I was able to get the utilities turned on by XXXX XXXX, had the appraisal completed, and was told by my mortgage company ( as well as Huntington Bank ) that we would be able to close on XXXX XXXX, XXXX, once the documents were received. However Huntington Bank called on XXXX XXXX, at XXXX pm ( XXXX minutes before their title agency closed ) to cancel our closing ; leaving my wife, myself, and our XXXX animals homeless. We were not able to close until the following Wednesday ( XXXX XXXX, XXXX ) at XXXX XXXX. During this time I was unable to work, we had to board our animals, and we lost a number of deposits and food in the process. We feel it is absolutely outrageous that the bank was able to delay our closing, with little or no notice, while being in breach of a contract they insisted on.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans union shows that I have filed bankruptcy. I have never filed bankruptcy. I 've disputed this several times. They told me it was the credit card, which is still current and I use and make payments on. I contacted the credit card company and they said they are not reporting me as filing bankruptcy. This has been on my credit report for over a year. I continue to get the " run-around '' by the credit bureau.

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 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: This is the XXXX time I am filing a complaint against Wells Fargo Home Mortgage in regards of the XXXX late status on my credit report from XXXX/XXXX 2012. I have submitted countless documentation verifying the payment was made on time and they refuse to acknowledge it and continue to report that the payments was late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection notice from RMS stating I owe $XXXX from XXXX however when I submitted a complaint to the XXXX and I was advised in writting I should disregard the bill that was issued, and in fact I was to receive a refund. Instead of the refund, I receieved a collection notice. I am attaching both the collection notice and the letter XXXX sent to the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my name IS INCORECT

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 05/13/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I am a HUD Housing Counselor working with a client whom has aXXXX XXXX loan, serviced by Caliber Home Loans. I have been activelypursuing a loan modification since XXXX 2015. For the last XXXX months theunder writing department has been requesting " additional " documentsweekly, which extends the time frame and out dates recent pay checks, bank statements, etc. This in turn creates in the servicers eyes an " incomplete '' request.

Company response to consumer: Closed with explanation