milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Calvary Portfolio for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I consolidated all my student loans with USDE aka XXXX as directed by my college counselor. After I consolidated, XXXX XXXX servicing continued contacting me after I sent proof that I had consolidated, since they would not accept my consolidation with XXXX, we set up a separate repayment agreement with XXXX XXXX. XXXX XXXX then hired Performant Recovery who sent mail, called my cell, called my job 2-3 times everyday where I was eventually fired due to harassing calls. After updating all my info with XXXX and Performant Recovery to establish a new IBR or qualify for a forbearance, Performant Recovery hired XXXX XXXX XXXX XXXX who ruled on a judgement to have my wages garnished where I was not present to defend myself.

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 11-05-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This claim is related to the complaint I filed against Wells Fargo XXXX. Instead of placing the loan in forbearance and removing all the negative damage they had done to my credit as requested they listed it as a charge off. Unbelievable. I think I will be closing the checking and savings accounts I have held there for the last 30 years. Really who needs a bank like that? XXXX too Wells Fargo.

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 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company put a bad collection debt on my credit report. This same debt was deleted from my   XXXX    &   XXXX  report because of false reporting information from a different previous collection agency that placed it as a collection on my credit report. The original creditor (  XXXX  ) doesnt even show on my report anymore because the debt is so old. I never received a debt collection notice from this company because I would have disputed it a lot sooner. This is a bad debt & I want it removed from my  XXXX  report through the dispute I filed with them. They violated FDCPA laws.

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 01/17/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a Care Credit account that I have been paying on, on time for about 3 years and I have miss one payment.

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 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Unique Management Services, Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My son has control of my library card and had used it. He hid the late notices from me. When I found out Through XXXX that I had owed {$96.00} I was XXXX. I told to pay the debt. So he went to the XXXX XXXX Library to pay it. The XXXX XXXX Library should have it on their books as paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Settlement process and costs

Complaint: I had applied for a mortgage after being transferred with XXXX XXXX and XXXX XXXX in XXXX of XXXX, I was told that I was in arrears with a past mortgage for a home in Missouri which my ex-wife received in the divorce in XXXX. There was a mortgage modification performed on that note for the house in Missouri on XXXX XXXX, XXXX which clearly shows my name on the Agreement, however I never signed said modification and would not have done so. I filed a complaint with Wells Fargo and they were disinclined to correct the issue. My ex-wife has been in arrears on the note, and I am the one whose credit rating keeps her in that house.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to equifaxsecurity2017.com, both my wife and I were part of the recent Equifax data breach. In exchange for lax security that led to release of our SSNs, DOBs, full addresses, and? driver 's license numbers, Equifax is offering ONLY free credit monitoring that will notify us AFTER someone has improperly used our data. Equifax offers nothing to PREVENT improper use of our data from occurring. 

Despite Equifax ' negligence with out private data, we must STILL pay {$10.00} to each of the 3 major credit bureaus to proactively freeze our credit reports to avoid fraud. We must then pay {$10.00} to each agency whenever we want to temporarily thaw our report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On X/XX/17 or close to that date I applied for a co-branded credit card with Bank Of America and XXXX XXXX. I was denied, and the letter sent in the mail was not specific. It stated that I was denied maybe to a relationship I have with Bank of America. I have a HELOC loan that I have paid on through a bankruptcy ( my name may actually not be listed on the HELOC ) over 10 years ago, and I also have 2 credit cards acquired with Bank of America after the bankruptcy. The BK is well past the 10 year mark and I have excellent credit up in the XXXX range. The BK was related to my husbands business and we kept all of our personal debt including the HELOC loan which he actually used to pay his employees for several months during the financial problems. I felt compelled to repay this debt because it was associated with our home. I did not realize it would continue to cause issues after the 10 year mark. I am wondering what is the cause of my denial when I have excellent credit and have stayed current and continue to stay current our HELOC. This does not seem fair according the to the rules of fair credit reporting.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: I had an open credit card through Amazon cards. I received a letter one day that Synchrony Bank closed the account not because of late payments or defaults, but because they had done a random check of my credit and discovered that there were late payments for student loans ( which were my niece 's and some had forged signatures on ) and opted to close my credit card with Amazon.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with Midwest Recovery Systems (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX I personally wrote a certified letter to Midwest Recovery Systems informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. Midwest Recovery Systems has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently pulled my credit report and my loans were current paying as agreed with no notification that I had come out of in-school deferment. I was contacted in XXXX of XXXX stating that I was in fact 120 days past due. I explained to the rep that I in fact was not 120 days past due. I immediately started to calculate from the ending semester of XXXX XXXX and I would have been reaching to my 30 day mark. I was told that until I can obtain a letter from the second school I was attending with verification of attendance I could apply for their indigency program ( unemployment deferment ) as long as I met the criteria, which I did and they would backdate and remove any missed payments and bring my account current. She also stated when I started school I can then have the school to request an inschool deferment. Well I have spoken with 5 reps since then. I was originally told I was 120 days past due and have been told 5 different things as to the time frame I am past due, I did not submit the correct documentation and was told 5 different things. Each time being patient to fix whats now effecting me in a horrible way. After submitting the documents they did push my due date out but did not correct the past due amount on my credit and to me that 's an issue. After submitting filling out what 's required that misinformation has been given is n't my faulat and in no way should be reflected on me, yet it is. I 'm still being told that the information I submitted was n't good enough and to resend information. After speaking to the manager who then tried to use my statement as if I stated that I did n't want to go to school and probably because the school was right. My reasoning was because I no longer had transportation and had to pay someone that I could n't afford to do to take me to the school who would have to drive XXXX hours to pick me up and an additional XXXX minutes to take me to the school, pay parking, etc. Even after explaining my situation and although I was given several stories including submitting the indigency application and they will backdate it to correct the issue. I explained that I only called back because I now have received 5 now 6 stories and was being told that a rep put in notes that I stated something that was in fact false. The manager asked me if I was done. I have never had to ask for the program before and I have never requested anything from them. The one time that I submit what was told I needed to submit to rectify the situation I am being told by the manager I do this often. When in fact I have never had to deal with them personally but once 5 years ago and it still shows on my credit as past due after being told then they would fix the issue other wise the school I have attended has always notified them I was in school. They were rude, liars, and falsifying information without 1 notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I was on a trial period for a loan modification through PNC Mortgage. I made the first trial payment, but unfortunately the XXXX payment was applied mistakenly to a different account through XXXX XXXX. The mortgage company is telling me that they want to sell my home in 40 days. Please help, we just got back from out of town.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased product from sleepy 's on store card in XXXX of XXXX, item was defective and had to be exchanged. Sleepy 's double charged for new item and left mattresses on the sidewalk in front of my building rather than dispose of properly which is against law in XXXX. I had to pay {$500.00} to have a moving company come immediately to take as my landlord would be fined. I had to call Sleepy 's corporate for months and they stated they never received mattresses and I stated because they dumped on my sidewalk. They finally admitted to this I paid for the original purchase only and closed my account, Sleepy 's accepted account as paid in full, as I had to pay for removal of mattresses that they were supposed to do. Now 3 years later a law firm stating that I owe almost {$2000.00} more than original purchase after Sleepy 's changed from XXXX to XXXX bank about 2 years ago. Sleepy 's reported to XXXX XXXX that account was closed in XXXX of XXXX, however, I just now see they claimed it was delinquent, which it was not, they were delinquent in sending me defective merchandise and then dumping in front of my home and then trying to double charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Disputed negative items on my credit report except for XXXX XXXX XXXX. XXXX XXXX XXXX is a legitimate collection on m y credit report. However as a result of my dispute of my credit report equifax deleted everything except XXXX XXXX XXXX. As of todays date of XX/XX/2016 they have placed a collections back on my credit report of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXWe have already filed XXXX CFPB complaint against Ocwen on this file for valuation fraud. Rather than go over it again I am attaching the documents for the previous complaint. 

Ocwen did a new value at the end of XXXX. We were told today that the value came back at the same price as the previous value done XXXX/XXXX/15 - $ XXXX. In a declining market and economy, how is this possible? 

Aside from the previous issues with being lied to from Ocwen, and Ocwen 's inability to produce evidence of their actions, the issues with the damaged roof remain. Ocwen is refusing to take into consideration a material fact in this real estate transaction. We have already provided Ocwen with all of the documents attached. 

Attached are photos of the roof damage. This roof is damaged and can not be " repaired ''. It is illegal for these roofs ( " cedar shake roof '' ) to be " repaired '' in California due to high fire hazard they present- they need to be " replaced completely ''. Due to the style of these roofs, a new roof also needs to have 'decking ' added in order to have a foundation upon which to attach the roof. Please see attached building code and article explaining the fire hazard of these roofs. I have also attached photos of the roof from all angles. 

Ocwen can certainly decline to do a short sale, and they can certainly decline to lower a counter offer after a value dispute. However they CAN NOT ignore material facts affecting the value of a home. They can not ask a buyer to pay an inflated price simply because they do n't care about the condition of the home. 

***The newest appraisal done, attached, does not take into consideration the damage to the roof nor the Building Codes that require a replacement of the roof. We want Ocwen to review the value and to take these material facts into account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX ( XXXX XXXX XXXX ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at XXXX as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to XXXX and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. My XXXX XXXX said they do not own my loan and have no records of it. I then called back to XXXX and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XXXX. I want them to take this off my credit and to stop harassing me.

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 01-02-2018 about Debt collection (I do not know) with Allied Interstate LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I continually get calls from this company. I have contacted them via their website to stop calling my number but the calls continue. I have no defaulted loans.

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 05/14/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I used my debit card between XXXX and XXXX. At this time my checking account was in a positive balance, on XXXX I withdraw funds out of my checking account in the amount of XXXX, that caused me to have a overdraft fee of XXXX. On Tuesday, something told me to check my regions account, which I did and my negative balance was approx. XXXX. I thought this was an error so I called Regions customer service, I spoke to several supervisors on this day, the last person told me that her supervisor would issue a XXXX refund but that was it because, what happen was even though my account was in a positive over the weekend, when I over-drafted on Monday that caused my account to overdraft 9 times, which I am confused, how can you overdraft when your account is in a positive? Regardless of what order your transactions are being entered and I expressed this to the supervisor, whom advised me to go to the branch and speak with a branch manager, on XXXX, I spoke with a branch manager whom stated they can not refund overdraft fees anymore, that was taken away from them, she also gave me the total that I should of been charge, she states XXXX. My transaction receipt says I would be a charged an over-drafted fee and my negative balance is XXXX. This is not right, I do n't have money to give to Regions, I know that I had to pay a over-draft fee for my withdrawal on XXXX. But not for any purchases I made over the weekend prior, this is not right and should be looked into. How can you charge my account over-draft fees when I was in a positive balance and also, why are you turning the transaction order around, that 's how a lot of people miss fraud, the order should stay the way the person uses their debit card. I never knew the order was changed and have always wondered why I had to study my account to make sure there was no fraud transactions on it, this make it hard for a fraud transaction to be recognized immediately, unless in my case it 's XXXX in over-draft fees. And also, on XXXX the branch manager advised me to call customer service back pertaining to the fees, and I did so sitting in her office, the only thing I was told very rudely, was that I was getting nothing back on my account, and spoke to another supervisor that stated she will file a complaint for someone to call me back. This is horrible, I do n't have money to give to Regions, notice i over-drafted on XXXX. Why would a bank try to take a persons money? Upon writing this complaint, XXXX from Regions called me and explained that she will refund another XXXX and also they have charged me another XXXX for a transaction that I made over a week ago, my account balance is now in the negative of XXXX. I have been giving mixed communication about opt in and opt out, so I am opt out of Regions service, and still did not receive a full understanding on that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief