milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CMRE Finance has continued to attempt debt collection on a radiology bill that was paid through my insurance and co-insurance that I held at the time. I no longer have that insurance policy and have made that clear more than once. 
I checked my credit through an online site called XXXX XXXX and now CMRE is attempting to collect XXXX additional debts. I know without a doubt I have nothing in collection. Additionally, I have not received any mail communication regarding these " supposed debts '' from CMRE. The XXXX additional collections showed up last week yet all XXXX have a reported date from XXXX/XXXX/15. If this were the case then why am I just now seeing this show up and why have I received nothing showing where these debts came from? To me this seems fraudulent and I would like answers as to why they arbitrarily added these debts which is now hurting my credit score. You may view my payment history regarding current accounts I have and see that I do pay timely. I should also add that I have contacted CMRE directly via email to determine what is going on and have yet to get a response.

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 08-12-2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (DC).
Issue: Account opening, closing, or management

Complaint: I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? 
At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Using a debit or ATM card

Complaint: XXXX/XXXX/2015 XXXX unauthorized or fraudulent transaction of {$400.00} and {$300.00} dollars

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Disputed collection in credit file. Collection was removed. Collection has now been reentered under different company with the original company still attached to reporting. Disputed collection and now states it is mine. In addition to 7 years since original account. Past the reporting act as well. Company in two violations of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been a Bank of America ( B of A ) credit card holder for almost 20 years. Each month, for those many years, my credit card minimum amount due has been paid - automatically - from my checking account with a different bank, and I have not had any problems until approximately 3 months ago. 
At that time, I received notice that my account was " past-due '', and I was going to be assessed late fees of approximately {$27.00} - all the while assuming my account would be paid the minimum amount due, automatically, as it had been for years. I contacted B of A customer support - multiple times - to get this straightened out, and was eventually told that their previous auto-pay setup was via a program called " XXXX '', and that was ( or had just been ) phased-out, and replaced with a different B of A system. I was then told that their " new '' payment process did not allow the setting up of monthly " minimum payment due '' amounts - only the full balance due, or some pre-set " fixed amount '' payment could be made. 
The impact of that decision ( for myself and other similar B of A customers ) is that if I were to setup a fixed amount of, say, {$100.00}, and then in the course of the next month, added additional charges to the account, the minimum amount due would then increase above that {$100.00} fixed amount, and I would then be, again, delinquent, and get assessed late payment fees, etc., for not paying the revised and increased, minimum amount. 
After multiple calls to Credit Card Customer Service at B of A, I am being told that their " new '' system does not allow the setting up of monthly " minimum payments due '' - which is unlike every other major bank with which I have a credit card relationship. If this is happening to ME, I have a strong feeling other B of A credit card account holders who had setup their accounts for autopay of the minimum amount due under the previous XXXX system, are being charged fraudulent missed payment / late payment fees - without ever being notified of the system being changed, no notice of the impact of those changes, and now having NO option to make automatic minimum payment due amounts ... resulting in many B of A credit card customers being charged bank penalty fees. 
I would like the CFPB to contact B of A 's credit card department for an explanation of why no minimum payment option is available, evidence of how they supposedly notified their cardholders of the changes, and the financial impact to their cardholders. I would imagine these additional penalty/late fees have had an impact to B of A 's bottom line.

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 03/26/2016 about Debt collection (I do not know) with ERC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Never give info on what they want and keep call harassing my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a credit alert from equifax that i had a credit alert. when i checked my alert my credit score had dropped aprox XXXX points and my pink credit card was listed as closed by account creditor and was listed under negative accounts. On XXXX XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Mortgage debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a so-called debt from Blakely Witt and Associates out of XXXX TX. That claims that I owe them {$4200.00}. This is a debt that I do not recognize or even know where it originated from I can never seem to go through to these people. When I ask them to validate a debt its like they refuse to do so. 

I have never even done business with Blakely-Witt and Associates. Little on created a {$4200.00} debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with Enerson Law, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted XXXX and they told me they can do nothing. I contacted the attorney that is handling this Emerson Law XXXX XXXX XXXX, XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!

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 04/23/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Settlement process and costs

Complaint: Seterus has been notoriously slow in processing my client 's loan modification. My client was approved for a HAMP trial modification back in XXXX XXXX to begin XXXX/XXXX/XXXX and end XXXX/XXXX/XXXX. He completed the trial successfully. It then took 5 months for the borrower to receive permanent modification documents. We signed and returned them in the beginning of XXXX XXXX. Ever since, I have been trying to ensure the modification is processed and finalized before closing the file of this case. I make weekly calls to Seterus and each time I call the call is at least an hour in duration, most of that being time on hold. Needless to say that we still have not reached a resolution. In my latest phone call today I was told that during the drawing up of the modification documents there was an error with the title portion, that is potentially going to force Seterus to redo the mod documents and my client will need to sign and return the documents again. My first problem with this is that if it took them 5 months to draw up the documents manually in the first place, then how could there be an error and why is it taking MONTHS to correct this issue? Every time I call Seterus about this client, I always speak to someone different and no one ever gives me any answers. I find this very discouraging to my client. He is elderly and thought he was finally at the end of this process. only for the delay to continue for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account on my equifax report is incorrect it is a duplicate of an account that has been paid and closed. XXXX had XXXX accounts reported for the same address same account number with XXXX different open dates. I opened a account in XXXX of XXXX and requested dte to close the account in XXXX of XXXX due to me moving. XXXX sent the account to collection for XXXX that was paid to XXXX XXXX XXXX XXXX. Soon after that I received another collection notice saying I owe XXXX this account have been paid and closed. The account they are reporting that opened in XXXX XXXX is a duplicate and should be removed. How can I have XXXX accounts opened for the same address. The account opened in XXXX of XXXX is no longer on my report. The XXXX XXXX account is incorrect and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification for several months. I experienced a ligetimate financial hardship with the closing of my business after losing a major contract. I was denied a modification because I did n't make enough money. I worked really hard over the next 3 months to increase my salary and got XXXX jobs. Now I resubmitted my information with the new income I have. They are saying I 'm ineligible for re-entry and my home now has a sale date of XXXX/XXXX/16. I am also working with XXXX and they suggested I come to you.

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 07/17/2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: MB financial has repeatedly, erroneously and continually escrows our insurance premium in explicit contradiction to our closing documents and agreements and are acknowledged by their letter dated XXXX XXXX, XXXX. Their records will reflect that we have always paid our insurance premiums separately from our mortgage. Between XXXX XXXX and today, MB financial has received, reviewed and corrected their error multiple times, only to revisit the problem again and again ; escrowing, returning and again encumbering our loan to MB financial 's fiduciary gain. This has additionally cost us valuable time and money. As such MB financial is in material breach of contract and unlawful fiduciary gain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with Aargon Agency, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Got a phone call from XXXX No listing on Caller iD as to name I looked the number up online and It belongs to Aargon Agency. I do not have bills past due. or any reason for a debt agency to call me. It was a robo call, for me to call a number about this debt. Call was XXXX XXXX/XXXX/2016

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information must be removed sent po report and idthft gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.

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 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently discovered a collection on my credit report from Afni, Inc. on XX/XX/2016. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... 

I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: When making 'payments ' on the charge account at U.S. Bank XXXX the 'payment ' comes out of my bank account immediately - sometimes the same day, otherwise the very next day. Problem is U.S. Bank sits on it for at least a week 's time and makes the credit unavailable for use. One week 's time is absolutely excessive in this day and ago. I do n't know what kind of game they are playing by doing this but you know it 's got to be something as financial firms do not have the consumer 's interests at the forefront. Thank you.

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 02/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After being unemployed and seeking assistance forced place insurance placed on property spent over {$850.00} to purchase windsto insurance. Ocwen will not adjust the mortgage payment to reflect insurance. I have been promised that they will spoke to supervisor who said it was done to pay {$840.00} instead of {$1400.00} now they have a late fee. I am not late they know I have insurance XXXX lower the monthly amount. I have gotten lies and runaround for a while. Help property address XXXX XXXX XXXX XXXX. XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (OR).
Issue: Account opening, closing, or management

Complaint: I overpaid my US Bank XXXX XXXX XXXX by {$0.00}. The credit sat there for about 3 months, then it disappeared under a " Small Balance Adjustment '' on XXXX XXXX, 2016. It is my XXXX cents, not the banks, and I called about it. The nice lady told me the {$0.00} had been added to my credit limit, which would have made it {$5000.00}, but that 's not what happened. My credit limit remains {$5000.00} ; my XXXX cents disappeared. I requested a call from a supervisor but did n't receive XXXX. While I realize it 's piddly, nonetheless, it is my money, not the bank 's, and if the bank is taking everyone 's small balance credits, then this seems to be quite a cash cow, if you will, for the bank. I read online about this happening to other consumers at other banks. What I did n't read was that there was a policy by the banks to absorb their customers ' small balances. I wonder if I inadvertently signed an agreement, with this disclosure in the tiny print. If I did, I did not mean to allow it. XXXX pennies saved are XXXX pennies earned -- and I want to earn them, not the bank. If it is banks ' policy to take their customers ' balances, that should be stopped. I can furnish the statements regarding my own XXXX cents ' worth. What else would you need from 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 monetary relief