milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for "repairs" that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either didn't owe or were for things that they could not charge for by law.

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections.

This is causing us serious financial and emotional distress. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars.

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels:

XX/XX/XXXX: we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said "you need to have the collection agency remove. We just ask them if it is valid."

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof.

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XX/XX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied.

XX/XX/XXXX: we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX  in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case XXXX XXXX. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca 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 09/15/2016 about Payday loan () with Eastern Management Group LLC (IN).
Issue: Can't contact lender

Complaint: I was recently contacted by a XXXX XXXX from telephone number XXXX. She told me she was with a location service. She then went on to accuse me of Internet fraud. The person in question then went on to say that I owed {$1600.00} to the Eastern Management Group and she was collecting for them. 
Prior to this phone call I received a call from my ex-husband my son and my current spouse who she had contacted stating she was trying to find me because I was being charged with internet fraud. This woman at badger in my son at his place of employment continuously asking him is this the kind of stuff she does. And then when I talk to her, she stated my son replied yes this is what she does. My son never stated that. 
This woman continue to harass me stating that if I did not pay her the full amount today she would send out a process server and I would be arrested, she also threatened my XXXX license. 
I requested documentation to verify that this loan was even mine and I also asked her to send me a disclosure about her being a debt collector I received neither one. 
XXXX XXXX informed me that I did not get back with her with a payment she would then contact my employer and have my wages garnished.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a victim of the illegal practices conducted by Navient. I was contacted by phone by an automated system letting me know I can request forbearance of my loan and then I was emailed and was asked to reply with a simple " Yes '' in the email if I wanted to participate in forbearance. I have done this 3 times because now I am in a cycle of increasing the interest on my loan and not earning enough money to pay it. I thought the emails were too simple a solution to my problem but I had trust in Navient and their solutions and debt managing. I do n't know what to do but I am glad that they are being sued by the Federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We had a 5 year balloon payment with TCF National Bank. It expired in XXXX 2016, and my wife and I signed a Maturing Closed-End Loan Modification Agreement on XXXX XXXX, 2016. 
TCF still bills us at the old rate, saying that we are now {$2200.00} overdue in our mortgage payment. We are not overdue. Every payment has been paid on time and for the new amount. I have called TCF and they do nothing to rectify the situation.

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 04/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home mortgage with Well Fargo, that they brought from the closing lender I had 3 years ago. I was told my payments would be around XXXX-XXXX with a downpayment. I am locked in at a rate of 3.75 percent and I do not have a variable mortgage where it is suppose to jump. Well they jumped my payments to XXXX without my consent and are now telling me because of my escrow account. I do not agree and I believe that no one should be able to go in and just change your mortgage payment like that especially when you signed a contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently reviewed my credit report and noticed some unauthorized accounts on there. The XXXX unauthorized accounts were XXXX XXXX XXXX and XXXX XXXX. After contacting both creditors and equifax with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the XXXX unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Bank of America has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Bank of America Checking Account history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my report.

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 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I broke my lease with XXXX the original creditor at the end of XXXX 2015, with five months remaining, i gave a sixty days notice from XXXX 2015 and paid the relenting fees of $ XXXX.i got my final account statement on XXXX XXXX, with the sum of {$5100.00}. I contacted my lawyer XXXX XXXX, by XXXX 2015 to dispute the account. She wrote several letters to them, seeking for the clarification of the account and telling them that i am ready to pay if the account is justified, there is no single reply. From my credit report monitoring, I was alerted on XXXX/XXXX/15 that the original creditor has transfered the account to Blakely Witts & associates, a collection agency since XXXX XXXX, 2015, with a sum of {$1000.00}, without informing me or my lawyer. The collection agency did not contact me or my lawyer at any time before reporting me to the credit bureau, in other word they did not make any attempt at debt collection before destroying my good credit and most importantly My Good NAME. I only knew about the debt after my credit was destroyed, is this the fair debt collection practice. 
To protect my right I wrote the bureaus to dispute the account, asking questions about why I was not informed and why is the amount different, the only answered I got is that the debt has been verified. Is this JUSTICE. 
All I want is justice, I am willing and ready to pay my debt, only let them do the right thing. Take The Account in collection off from my report, write letter of apology for the damage done to my good credit, contact me in a lawful manner to inform me of the debt and I Will gladly pay the debt. 
I hope you will use your good office to protect me from this unfair debt collection practice. 
N.B. My wife is also part of this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Trouble during payment process

Complaint: I paid my mortgage on time and the full amount due. The amount I paid ( not including the online payment fee ) was {$520.00} on XXXX/XXXX/XXXX ( it cleared on bank on XXXX/XXXX/XXXX ). When I received my next month 's statement on XXXX, I noticed that there was a " payment advance '' charge for {$11.00}. When I called that same day to ask about this charge they told me that it was because I did n't make my full payment. So while still on the phone, I looked at my bank transactions and compared it to what Bank of America said I paid on my statement. The amount that cleared my bank was {$520.00} ( see attached bank statement ) but the amount stated on my mortgage statement was {$510.00}. An exact difference of {$11.00}. I 'm sorry, but this is shady business practices. They tried telling me that they 'd have to " investigate '' it and call me back. Only when I told them no and if they did n't correct it while I 'm on the phone that I 'd be contacting to FTC to turn them in for shady banking practices did they correct it. I do n't believe this is an " honest '' mistake. You ca n't tell me that a bank as big as Bank of America does n't know how much their customers pay. If they do n't then they have a much serious problem. I believe that they are systematically doing this to other customers hoping they wo n't notice a small amount such as {$11.00}. But {$11.00} over millions of customers equals a huge profit for Bank of America.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from XXXX XXXX and the other from XXXX XXXX. However, I noticed a month later that Transunion is showing a second hard inquiry from XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact Transunion. I contacted transunion and was told to get a letter from XXXX XXXX in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. XXXX XXXX will not send me a letter Because they 're saying they did n't request my credit report on that date. Transunion is not removing the inquiry stating that I need a letter from XXXX XXXX. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from XXXX XXXX on XX/XX/XXXX to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. 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 07/20/2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with AFNI INC. (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I just got this number last month. The debt belongs to another individual. I've asked numerous times for them to quit calling. The company 's name is Afni. I spoke to  XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Payday loan () with ZARVAD III S.A. (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the State banking regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am having a bear of a problem with Equifax. Back in late XXXX, I sent them a letter asking them to investigate mistakes that appeared on my credit report with their organization. From what I understand, they are supposed to respond within 30 days. I have sent them a bunch of letters asking for a response, but Equifax just does n't respond. I just do n't know what the problem could be.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian refuses to honor Security Freeze requests from the web.
The same information that was valid for a web credit report from Experian was rejected for a Security Freeze.

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 09-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I closed XXXX sold XXXX my home on XXXX/XXXX/2015. Green Tree Loans was the holder of my XXXX mortgage. I attempted to cancel my autopayment on XXXX/XXXX/2015 ( when I realized the XXXX payment had already been factored into the payoff quote ) but apparently it had already been 'pre-drafted '. 
I reached out to Green Tree the day after XXXX XXXX/XXXX/15 XXXX to notify them of my new address they should use to send my me a check for my extra payment ( because they could n't remit to the sending bank account # XXXX. After not receiving a check w/in the 30-day window, I called Green Tree. They said they had shipped it to my old address. And they could n't send a new one until the old check had been cancelled. It 's now XXXX, I 've called twice to make sure my check would be sent out, and twice I was assured they were on top of it, and they would call me when the check had been mailed. Still have n't heard a word from them OR received my money back! Where is my money? Are there fees/penalties they should have to pay? They were charging me interest at 7.5 % on that mortgage, but I must wait endlessly while they hold my money interest free?!! 

Additionally, when I refinanced almost 3-yrs ago, my rate lock almost expired because Green Tree refused to work w/ my bank XXXX XXXX XXXX XXXX even though it was a no money out refinance, to a lower rate, and they had already received the subordination fee. The customer service is horrendous, and I 've felt powerless to do anything other than wait while they run me around and give me nothing but stories about where my money is! 

Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: i had call from impersonating irs and XXXX state police ( i found out the later ). XX/XX/XXXX when i return that call they told me i own {$3500.00} back taxesXX/XX/XXXX, it did not make sense. they told me send me latter XXXX, i never got it and told them. but i know mail does not come to me in the past. but if i hang up, warrant will be issue in XXXX. will have criminal records, even i am innocent it will cost me {$80000.00} later to fight, and need criminal lawyer. so they told me you have to send money asap by moneygram. so i sent {$1700.00} + {$35.00} ( fees ). Once they want me to send another half right away, i went to police and hand my phone to police officer then i learn it was scam. by the time i reach out to moneygram it was too late money has been taken away. if they really want to i know they can track it down, but the do not seem to care much. i am sure there is camera and can track it down who took the money but do not see any effort at all. ALSO moneygram does not do anything at all incidents like this or say you should never send money to government this way or mentioning scam like this which seems to be common, accepting money in limited info, example of extortions. so they do fail to explain the rules i think they are responsible as well for my {$1700.00} + {$35.00} ( fees ). they are part of scam. However credit card, XXXX are more strict. but this Moneygram ... all the numbers on receipts are not helpful. it is scary business like this exists! i do not want anyone to go through this. Please please help, thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The addresses is reporting incorrectly on my report.I have no knowledge of any of these addresses other than my current residence, XXXX XXXX XXXX XXXX CT XXXX. 
this has been my address for 10 years.

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 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation